4-bed terraced for sale in Blackpool FY1 — £80K | Dwelfy

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Pays from day one — check the rent yourself

Rented normally, you'd make about £397 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 3 months of that profit, so keep a buffer for gaps. It has been listed 94 days (about 3 months) without selling, which is your argument for offering less.

Carshalton Road, Blackpool

4 BED TERRACEDListed 94d · ~3mo

£80,000

Why it works

Monthly profit +£397/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 →
18.40% 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 →
32.6% Rent by the room return before costs (net 12.68% after CapEx + bills) — conversion play
Letting by the room, after the conversion. The whole gap between this and the plain rent is the reason to do the work.It needs the rooms, the licence and — in an Article 4 area — planning permission. None of those is automatic. See the conversion →
10.8% a year over five years — a strong return on the cash you put in
Rent, mortgage paydown and price growth together, annualised over five years.It assumes 2% a year of price growth. Strip that out and most of the return is the rent. See the projection →

Why to be cautious

EPC D — must hit C by 2030 (~£3,000–£7,000)
Lettable today. The C grade proposed for 2030 means work at some point before then.The 2030 date was confirmed by government but the legislation is not yet written, so treat the cost as a range.
Article 4 in area — Rent by the room conversion needs planning permission
The council has removed the automatic right to convert to a shared house here — it needs planning permission.It does not affect letting the property normally, and permission is often granted. It is a step, not a wall. See who decides →
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£397/mo
All-in cash£47,358
Payback9.9 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 £80,000 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?
No school rated Good or better in this postcode area
2 schools in this postcode area, none rated Good or better and flood risk checking… — open for the map, the schools and the rest.
Article 4Planning permission required to let by the room
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£397/mo

All-in cash£47,358

Payback9.9 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£80,000Asking 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£1,227/moEstimated rent from 9 comparables. Range £1,097–£1,372/mo.

Empty weeks a year a typical assumption2 wksTypical voids for BTL

Doing it up a typical figure, not a quote£19,458Per-property refurb estimate from the element rate-card model (£14,594–£27,241 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£1,700Standard house — £1,100 legal + £600 survey

Lender fees a typical figure, not a quote£2,2002% product fee on £60,000 loan + £1,000 booking fee

Letting agent a typical assumption10%Typical BTL agency rate

Insurance a typical figure, not a quote£20/moTypical BTL building+landlord cover for sub-£200K

Maintenance a typical figure, not a quote£50/moTerraced: £50/mo proxy (shared structure)

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

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Listed by

Duncan Raistrick

01253 835382 View on portal

Asking price£80,000

Rented normally, you'd make about £397 a month.

What if I change my assumptions?The dialsAt the asking price, 25% deposit, 6.50% chargedTry your own numbersLiveYou keep£397/moAll-in cash£47,358Payback9.9 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£27,900 + refurb costs£7,900 of that never comes back — stamp duty, solicitor and lender fees.£27,900 to buy it~£19,458deposit · stamp duty · solicitor · feeswe haven’t been inside□ 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 £80,000 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 £105,000 in 2005Nothing nearby is comparable, but asking is 24% less than the £105,000 paid for it in 2005.□ this address’s own deeds, no comparable saleHM Land Registry Price Paid Data

What if I change my assumptions?
At the asking price, 25% deposit, 6.50% charged
Try your own numbersLive
You keep£397/mo
All-in cash£47,358
Payback9.9 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 £80,000 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