property for sale in Kirkcaldy — £319K | Dwelfy

Deals · Kirkcaldy

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.

Kirkcaldy

PROPERTY

£318,500

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

Why it works

Nothing here counts in its favour
No figure on this listing stands out in the property’s favour. That is a finding, not a gap — the cautions opposite are what this deal turns on.

Why to be cautious

No EPC certificate on record — and no postcode we can read to say whose rule applies
The minimum a private let must reach is set nation by nation, and we could not work out which nation this address is in. Every rent figure on this page assumes it can be let.The postcode and the band settle it together — both are worth having before you offer.
Monthly profit −£1,450/mo — you would top this up heavily, every month, from your own income
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 →
-10.5% a year over five years — you tie up a lot of cash for what it returns
The capital you tie up is large relative to what the deal returns over five years.A lower offer or a smaller deposit changes this more than a higher rent does. Try a lower offer →
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.

What would have to be true?
We cannot price this without a postcode
Which purchase tax applies — stamp duty, LBTT or land transaction tax — is decided by the nation the address sits in, and this listing carries no postcode to resolve it. Rather than assume England and then price to the pound off it, this card does not answer. The agent can give you the postcode.
no postcode on the listing

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.

What if…

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

You keep-£1,450/mo

All-in cash£170,938

PaybackNever

Offer

Deposit

Mortgage rate

The dial above is the rate you would be quoted. Every figure on this page is worked at 6.25% — 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£318,500Asking price from listing

Deposit a typical assumption25%Standard 75% LTV for BTL

Mortgage rate a typical assumption5.50%5-year fixed (market average) — 5.50% (as of 2026-05). 5.50% headline + 0.75pp limited-company product premium = 6.25% 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 typical figure, not a quote£61,535Tiered estimate (full refurb): £42,690–£80,380 range from £/sqft + per-room model A survey could move the works by £37,690: between £42,690 and £80,380. Verify with a surveyor before offering.

Mortgage term a general default, not this property25 yrs

Fixed for a typical assumption5 yrsFixed for 5 years (5-year fixed (market average)); 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£2,150Standard house — £1,400 legal + £750 survey

Lender fees a typical figure, not a quote£5,7782% product fee on £238,875 loan + £1,000 booking fee

Letting agent a typical assumption10%Typical BTL agency rate

Insurance a typical figure, not a quote£28/moTypical BTL building+landlord cover for £200K–£400K

Maintenance a general default, not this property£67/moDefault £67/mo — type unknown

Service charge a typical figure, not a quote£0/moFreehold — no service charge

Ground rent a typical figure, not a quote£0/moFreehold — no ground rent

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

Agent details unavailable.

Asking price£318,500

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£109,403 + refurb costs£29,778 of that never comes back — stamp duty, solicitor and lender fees.£109,403 to buy it~£61,535deposit · stamp duty · solicitor · feeswe haven’t been inside□ works not inspected

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

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