Rented normally, you'd make about £169 a month.

Will it pay?Calculator

£169 of every £1,090 is yours to keep, each month

You keep 16p of every pound of rent. The mortgage takes 28p.

£535 running

£1,090 rent in£169 yours

£175 of that is a guess — no service charge published.

□ service charge not published2 empty weeks a year assumed

What if I change my assumptions?The dials

At the asking price, 25% deposit, 6.50% charged

Change any of these 16 and every card on this page changes with it. The 6.50% is the 5.75% quoted plus a company premium.

◧ worked out from local rents

What will it cost me to buy?Breakdown

£28,875 + refurb costs

£10,125 of that never comes back — LBTT, solicitor and lender fees.

£28,875 to buy it

~£16,790

deposit · stamp duty · solicitor · feeswe haven’t been inside

□ 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 £75,000 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

Is the price right?Comparables

We can't tell — nothing nearby is alike enough

The dearest sold for 5.2× the cheapest, so the rent has to justify this price on its own.

you'd pay £75,000

£45,150

£58,000

£62,500

£62,500

£62,500

£82,000

£85,000

£98,000

£100,000

£108,500

£125,000

£235,000

£45.2k£140.1k£235k

£45,150 cheapest£235,000 dearest

12 completed sales, same property type, last 3 years

□ 12 sold nearby, not matched on sizeHM Land Registry Price Paid Data

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 51% 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.

£510 needed

of £1,048 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,048PRA-style test

Is it a good location?Open the map

Aberdeen, AB11 6JJ

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

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 · 5 we could not check · 2 do not apply to this property

■ from the listinglisting last seen 15 Sep 2026

Which strategy wins?The ways to run it

Nothing here beats a plain let

Let it to the council: £960 a year less, but they keep paying when it is empty.

Standard rental+£169 · £45,665 in

Guaranteed council rent+£89 · £45,665 in

Housing-benefit rent−£34 · £45,665 in

Rent by the room−£139 · £45,665 in

Each row: money kept a month, then the cash it ties up. Not compared: Do it up, then remortgage (pays back at the remortgage) · Short-stay let (no local short-let data) · Buy, improve & sell (pays out on sale)

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

What would you walk away with?The five-year sums

+£1,565 after five years on the cash you put in, before tax on the sale

Less 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 33% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £45,665 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

◧ 2.0%/yr growth assumed