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

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.

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 rent on file

What will it cost me to buy?Breakdown

£137,325 + refurb costs

£38,575 of that never comes back — stamp duty, solicitor and lender fees.

£137,325 to buy it

deposit · stamp duty · solicitor · fees~£10,888, unseen

□ works not inspected

What would have to be true?The search

No offer makes this pay

Even at £237,000 — well below the £395,000 asked — the rent still does not cover the costs. The gap is the rent against the running costs, not the price, so negotiating does not close it.

◧ worked back from the rent■ stamp duty re-bandedtested down to £237,000

How big is it, really?The plan

One figure, and nothing checking it 710 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

Middlesbrough, TS9 7AG

1 of 3 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 to know before you offerThe checks

Every tenancy here is periodic, with no Section 21 to end it

Tenancies are now periodic, with no Section 21 — budget a longer void.

1 problem found · 2 came back clear · 4 we could not check · 2 do not apply to this property

■ from the Renters’ Rights Act 2025listing last seen 19 Sep 2026

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

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

−£129,352 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 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 £148,213 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£148,213+£443,926−£11,098−£296,250−£117,717−£129,352

Cash you put inSale valueSelling costsMortgageRent lossesYou are down

◧ 2.0%/yr growth assumed