2-bed flat for sale in Bradford BD1 — £19K | Dwelfy

Deals · BD1 · Upper Millergate, Bradford

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No rent on file — nothing here can be priced yet

There is no rent on file for this address, so nothing here can be priced from one.

Put a rent you believe into the calculator and every figure on this page moves with it. Two or three local lettings will get you closer than anything we can offer here.

Upper Millergate, Bradford

2 BED FLATListed 168d · ~5.5mo

£19,000

No rent data for this listing — run your own numbers in the calculator below.

Why it works

EPC D — lettable now — band E is the legal minimum, and C by 2030 is proposed policy, not yet law
The energy rating decides whether you may rent it out at all, and what you would have to spend first.

Why to be cautious

EPC D — must hit C by 2030 (~£3,000–£7,000)
Lettable today. The C grade proposed for 2030 means work at some point before then.The 2030 date was confirmed by government but the legislation is not yet written, so treat the cost as a range.
Auction lot — bridging-only finance, 28-day completion
Contracts exchange on the fall of the hammer and completion is usually 28 days — too fast for a normal mortgage.Bridging finance costs multiples of a mortgage. Price it in before you bid, and read the legal pack first.
Service charge unknown — could swing £100-300/mo
The listing does not state it, and on a flat it can be anything from £60 to £300 a month.It leaves before any rent does, whether or not anyone is living there. Ask the managing agent for the last two years, and whether major works are planned.
Monthly profit −£449/mo — a real cost you carry every month you hold it
You would be topping it up every month, from your own income, for as long as you hold it.That can still be the plan if you are buying for capital growth — but it should be a decision, not a surprise. Try your own numbers →

What would have to be true?
No recorded basis for the rent to work from
Every price on this card is that rent inverted, and this row records no basis for its rent — not that the rent is wrong, but that we cannot show it was measured against nearby lettings. A price quoted to the £5,000 needs evidence we can point at.
rent basis not recorded

Is it a good location?
Bradford, BD1 1SY
No schools in this postcode area and flood risk checking… — open for the map, the schools and the rest.
Article 4Not assessed for this address
postcode area, not this address

Which strategy wins?
No rent on file, so nothing can be ranked
No rent is recorded for this address, so nothing here can be priced from one. Put a rent you believe into the calculator and every figure below moves with it.
no market renta comparison needs a rent for every way of letting it

Ready to move on this deal?

Generates an offer pack with your numbers & sources — take it to the agent.

Listing seen …

What if…

Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent).

You keep-£449/mo

All-in cash£16,585

PaybackNever

Offer

Deposit

Mortgage rate

The dial above is the rate you would be quoted. Every figure on this page is worked at 6.50% — that rate plus a 0.75pp premium lenders add on a limited-company purchase.

Standard rental

Rent

Empty weeks a year

Doing it up

Estimated, not surveyed — nobody has been inside.

More assumptions10

Mortgage term

Fixed for

Stress rate

Solicitor + survey

Lender fees

Letting agent

Insurance

Maintenance

Service charge

Ground rent

Where these figures came from16

Offer the asking price£19,000Asking price from listing

Deposit a typical assumption25%Standard 75% LTV for BTL

Mortgage rate a typical assumption5.75%5-year fixed at 75% LTV — 5.75% (as of 2026-09-14). 5.75% headline + 0.75pp limited-company product premium = 6.50% charged in this model.

Rent no rent on file£0/moNo rent data — verify locally

Empty weeks a year a typical assumption2 wksTypical voids for BTL

Doing it up a general default, not this property£7,600Capped at 40% of £19,000 asking (£7,600). Raw model: £23,500–£44,800. Verify with a surveyor before offering. A survey could move the works by £21,300: between £23,500 and £44,800.

Mortgage term a general default, not this property25 yrs

Fixed for a typical assumption5 yrsFixed for 5 years (5-year fixed at 75% LTV); after the fix the projection charges the reversion rate — a stated assumption, not a forecast.

Stress rate a typical assumption7.50%The higher of 5.5% and your rate + 2 points (PRA SS13/16): 7.5%

Solicitor + survey a typical figure, not a quote£2,000Leasehold flat — £1,500 legal + £500 survey

Lender fees a typical figure, not a quote£1,2852% product fee on £14,250 loan + £1,000 booking fee

Letting agent a typical assumption10%Typical BTL agency rate

Insurance a typical figure, not a quote£20/moTypical BTL building+landlord cover for sub-£200K

Maintenance a typical figure, not a quote£67/moSemi/flat: £67/mo proxy

Service charge a typical figure, not a quote£150/moLeasehold fallback: £1,800/yr proxy — confirm with managing agent

Ground rent a typical figure, not a quote£25/moLeasehold fallback: £300/yr proxy — confirm in lease

These are this page’s own derivation notes, unedited. A figure marked a typical figure, not a quote is our model of a cost for a property of this kind in this area — not a price anybody has given you, and the first thing worth replacing with a real one.

Notes

Auto-saves

Listed by

Sharpes

01274 015651 View on portal

Asking price£19,000

There is no rent on file for this address, so nothing here can be priced from one.

What will it cost me to buy?Breakdown£8,985 + refurb costs£4,235 of that never comes back — stamp duty, solicitor and lender fees.£8,985 to buy it~£7,600deposit · stamp duty · solicitor · feeswe haven’t been inside□ works not inspected

Is it a good location?Open the mapBradford, BD1 1SYNo schools in this postcode area and flood risk checking… — open for the map, the schools and the rest.Article 4Not assessed for this address■ postcode area, not this address

Which strategy wins?No rent on file, so nothing can be rankedNo rent is recorded for this address, so nothing here can be priced from one. Put a rent you believe into the calculator and every figure below moves with it.□ no market renta comparison needs a rent for every way of letting it

Is it a good location?
Bradford, BD1 1SY
No schools in this postcode area and flood risk checking… — open for the map, the schools and the rest.
Article 4Not assessed for this address
postcode area, not this address

Which strategy wins?
No rent on file, so nothing can be ranked
No rent is recorded for this address, so nothing here can be priced from one. Put a rent you believe into the calculator and every figure below moves with it.
no market renta comparison needs a rent for every way of letting it