Rented normally, it costs you £664 a month. That is £7,965 a year, every year you hold it.

Will it pay?Calculator

The mortgage alone costs more than the whole rent — you top up £664 a month

It is £664 a month short. Borrowing £122,538 less would close that shortfall — which is £122,538 more cash at the start, on top of the deposit.

+£905−£1,158−£411−£664

Rent inMortgageRunning costsShort by

The rent covers £905 of that — you cover £664

◧ market rent £905 · 106 comps2 empty weeks a year assumed

What if I change my assumptions?The dials

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

Try your own numbersLive

You keep-£664/mo

All-in cash£118,312

PaybackNever

Offer−+

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

£97,175 + refurb costs

And about £39,825 more over five years, because it loses £664 every month you hold it — before any repair. That already assumes the rent never falls.

£97,175 to buy it

deposit · stamp duty · solicitor · fees~£21,137, unseen

□ works not inspected

What would have to be true?The search

No offer makes this pay

Even at £171,000 — well below the £285,000 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 £171,000

Is the price right?The deeds

Last sold for £71,000 in 2001

Nothing nearby is comparable, but asking is 301% more than the £71,000 paid for it in 2001.

□ this address’s own deeds, no comparable saleHM Land Registry Price Paid Data

What will the rent borrow?Lender test

The rent carries £96,021 of the £213,750 loan

That £117,729 is yours to find on top of the deposit. Tested at 125% instead of 145% — a company or a basic-rate taxpayer usually is — the gap is £102,365. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£1,937 needed

more than the £870 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £870PRA-style test

How big is it, really?The plan

The plan and the advert, side by side 1,365 sq ft

Two figures for this house, and neither is a survey. Open for both.

AdvertFloorplan

1.4k sq ft1.4k sq ft1.4k sq ft

1,355 sq ft1,375 sq ft

neither is a survey — a tape measure settles it

□ area off the floorplan — not a survey

Is it a good location?Open the map

Bradford, BD6 3JN

2 of 4 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 · 1 came back clear · 6 we could not check · 1 does not apply to this property

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

Which strategy wins?The ways to run it

Every way loses money — Rent by the room loses least, at £474 a month

Let it to the council: £1,608 a year less, but they keep paying when it is empty.

Rent by the room−£474 · £160,300 in

Standard rental−£664 · £118,312 in

Guaranteed council rent−£798 · £118,312 in

Housing-benefit rent−£930 · £118,312 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, after 5 years?The five-year sums

−£53,616 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 27% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £118,312 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£118,312+£329,832−£8,246−£213,750−£43,141−£53,616

Cash you put inSale valueSelling costsMortgageRent lossesYou are down

◧ 2.0%/yr growth assumed

Could you let it by the room?Room by room

−£474 to +£173 a month at 5 rooms two models disagree, before tax, once converted

The floorplan supports 5 lettable rooms and £37,125 of work gets you there — but the two ways this page prices them do not agree on whether they pay.

Room-add modelSite's engine

-£733-£150£432

-£733£432

the £647 gap between them is tax

◧ room-add model · medium confidence■ 14 room adverts in BD6Dwelfy’s room-add model, before tax