Rented normally, you'd make about £107 a month.

Will it pay?Calculator

£107 of every £1,361 is yours to keep, each month

You keep 8p of every pound of rent. The mortgage takes 55p.

£742 mortgage

£1,361 rent in£107 yours

◧ market rent £1,361 · 10 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

£63,850 + refurb costs

£16,350 of that never comes back — stamp duty, solicitor and lender fees.

£63,850 to buy it

deposit · stamp duty · solicitor · fees~£11,708, 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 £190,000 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 1% 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.

£1,291 needed

of £1,309 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,309PRA-style test

How big is it, really?The plan

One figure, and nothing checking it 776 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

Bamber Bridge, PR5 8BS

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 · 1 came back clear · 6 we could not check · 1 does not apply to this property

■ from the Renters’ Rights Act 2025listing last seen 14 Sep 2026

Which strategy wins?The ways to run it

Rent by the room, but only by £4 a month over Standard rental

Rent by the room needs £24,138 more cash than the others.

Rent by the room+£111 · £99,696 in

Standard rental+£107 · £75,558 in

Housing-benefit rent−£490 · £75,558 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) · 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?The five-year sums

+£1,640 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 26% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £75,558 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

Could you let it by the room?Room by room

+£464 a month at 4 rooms on the room-add model, before tax, once converted

The floorplan supports 4 lettable rooms, and £9,846 of work gets you there.

◧ room-add model · medium confidence□ no district room benchmarkDwelfy’s room-add model, before tax