5-bed semi-detached for sale in High Wycombe HP15 — £575K | Dwelfy

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Pays from day one — check the rent yourself

Rented normally, you'd make about £796 a month.

The rent is our own estimate — worth checking against two or three real local lettings. One month without a tenant wipes out about 5 months of that profit, so keep a buffer for gaps. It has been listed 136 days (about 4.5 months) without selling, which is your argument for offering less.

Amersham Road, Hazlemere, High Wycombe, Buckinghamshire, HP15 · 1,763 sqft · £326/sqft

5 BED SEMI-DETACHEDListed 136d · ~4.5mo

£575,000

Why it works

Monthly profit +£796/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
9.10% return before costs — above-market
Rent over price, before any costs. Useful for comparing streets; it is not money you keep.Two properties on the same yield can leave you very different amounts. See what you keep →
Passes the lender's rate test at 6.5% — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →
EPC C — meets the minimum energy standard
Already at or above the C grade proposed for rented homes by 2030.

Why to be cautious

No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.

What if I change my assumptions?
At the asking price, 25% deposit, 6.50% charged
Try your own numbersLive
You keep£796/mo
All-in cash£227,580
Payback23.8 yrs
Offer
Deposit
Mortgage rate
Rent
Worked at 6.50% — 5.75% quoted plus a company premium.
worked out from local rents

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 £575,000 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 it a good location?
High Wycombe, HP15 7PX
1 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

Ready to move on this property?

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£796/mo

All-in cash£227,580

Payback23.8 yrs

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£575,000Asking 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 2026-05-20). 5.75% headline + 0.75pp limited-company product premium = 6.50% charged in this model.

Rent worked out from local rents£4,362/moEstimated rent from 4 comparables — verify. Range £3,707–£5,133/mo.

Empty weeks a year a typical assumption2 wksTypical voids for BTL

Doing it up a typical figure, not a quote£23,805Per-property refurb estimate from the element rate-card model (£17,854–£33,327 range), VAT-inclusive

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£2,900Standard house — £1,900 legal + £1,000 survey

Lender fees a typical figure, not a quote£9,6252% product fee on £431,250 loan + £1,000 booking fee

Letting agent a typical assumption10%Typical BTL agency rate

Insurance a typical figure, not a quote£40/moTypical BTL building+landlord cover for £400K+

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

Service charge a typical figure, not a quote£0/moFreehold — no service charge (scraper field ignored if present)

Ground rent a typical figure, not a quote£0/moFreehold — no ground rent (scraper field ignored if present)

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

JNP

01494 419362 View on portal

Asking price£575,000

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Every live listing in High Wycombe, ranked with the same maths as this page.

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Rented normally, you'd make about £796 a month.

What if I change my assumptions?The dialsAt the asking price, 25% deposit, 6.50% chargedTry your own numbersLiveYou keep£796/moAll-in cash£227,580Payback23.8 yrsOffer−+Deposit−+Mortgage rate−+Rent−+Worked at 6.50% — 5.75% quoted plus a company premium.◧ worked out from local rents

What will it cost me to buy?Breakdown£203,775 + refurb costs£60,025 of that never comes back — stamp duty, solicitor and lender fees.£203,775 to buy itdeposit · stamp duty · solicitor · fees~£23,805, unseen□ works not inspected

What would have to be true?Nothing — it works at the asking priceThe rent covers the mortgage, the running costs and the tax at the £575,000 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?The deedsLast sold for £509,950 in 2020Nothing nearby is comparable, but asking is 13% more than the £509,950 paid for it in 2020.□ this address’s own deeds, no comparable saleHM Land Registry Price Paid Data

How big is it, really?The planMeasured off the plan, not by a surveyor 1,763 sq ftThe area comes off the plan, not a survey. Open for what that means.□ area off the floorplan — not a survey

Is it a good location?Open the mapHigh Wycombe, HP15 7PX1 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

More investment properties in High Wycombe

What if I change my assumptions?
At the asking price, 25% deposit, 6.50% charged
Try your own numbersLive
You keep£796/mo
All-in cash£227,580
Payback23.8 yrs
Offer
Deposit
Mortgage rate
Rent
Worked at 6.50% — 5.75% quoted plus a company premium.
worked out from local rents

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 £575,000 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 it a good location?
High Wycombe, HP15 7PX
1 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