Rented normally, you'd make about £348 a month.

Will it pay?Calculator

£348 of every £1,396 is yours to keep, each month

You keep 25p of every pound of rent. The mortgage takes 36p.

+£1,396−£508−£459−£82£348

Rent inMortgageRunning costsTaxProfit

Rent £1,396, modelled from 84 nearby lettings

◧ market rent £1,396 · 84 comps2 empty weeks a year assumed

What if I change my assumptions?The dials

At the asking price, 25% deposit, 6.25% charged

Change any of these 16 and every card on this page changes with it. The 6.25% is the 5.50% quoted plus a company premium.

◧ worked out from local rents

What will it cost me to buy?Breakdown

£43,750 + refurb costs

£11,250 of that never comes back — stamp duty, solicitor and lender fees.

£43,750 to buy it

deposit · stamp duty · solicitor · fees~£1,725, unseen

□ works not inspected

What would have to be true?

Nothing — it works at the asking price

The rent covers the mortgage, the running costs and the tax at the £130,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.

◧ worked back from the rent

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 34% and still cover it

Your deposit is what limits this one, not the rent. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£884 needed

of £1,342 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,342PRA-style test

How big is it, really?The plan

One figure, and nothing checking it 514 sq ft

Only the agent’s figure exists for this house. Open for what that means.

□ area unchecked — agent’s own

Is it a good location?Open the map

Bristol, BS4 1XE

3 of 5 schools in this postcode area rated Good or Outstanding and flood risk checking… — open for the map, the schools and the rest.

Article 4Not assessed for this address

■ postcode area, not this address

What could kill thisThe checks

The property is being sold at auction, so the price shown is a guide, not what it will cost

Every figure on this page is worked from that price, so paying more than it cuts the return.

2 problems found · 1 came back clear · 3 we could not check · 3 do not apply to this property

■ from the listinglisting last seen 10 Sep 2026

Which strategy wins?The ways to run it

Short-stay let beats Standard rental by £133 a month

Short-stay let also ties up the least cash, £45,475.

Short-stay let+£481 · £45,475 in

3 nearby short-lets within 5.5 km · low confidence

Standard rental+£348 · £45,475 in

Housing-benefit rent+£92 · £45,475 in

Each row: money kept a month, then the cash it ties up. Not compared: Rent by the room (only 2 bedrooms) · Do it up, then remortgage (pays back at the remortgage) · Guaranteed council rent (no scheme in this borough) · Buy, improve & sell (pays out on sale)

◧ 3 ways, one measureranked on money kept each month, at the asking price

What would you walk away with, after 5 years?The five-year sums

+£20,764 after five years on the cash you put in, before tax on the sale

More than the same cash would have made in a savings account, after tax on the interest. The savings account’s capital is not at risk; the property’s is. A fall of about 24% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £45,475 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£45,475+£144,768−£3,619−£97,500+£22,590+£20,764

Cash you put inSale valueSelling costsMortgageRent keptYou walk with

◧ 2.0%/yr growth assumed