Rented normally, it costs you £60 a month. That is £715 a year, every year you hold it.

What could kill thisThe checks

Cash buyers only — there is no mortgage on this one

The listing says no mortgage, and every figure on this page is worked with one.

2 problems found · 4 we could not check · 3 do not apply to this property

■ from the listinglisting last seen 18 Sep 2026

Will it pay?Calculator

You top up £60 a month — the mortgage takes 39p of every pound of rent

Borrowing £10,993 less would close that shortfall — which is £10,993 more cash at the start, on top of the deposit.

+£734−£284−£509−£60

Rent inMortgageRunning costsShort by

The rent covers £734 of that — you cover £60

□ service charge not published2 empty weeks a year assumed

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.

◧ worked out from local rents

What will it cost me to buy?Breakdown

£25,035 + refurb costs

And about £3,573 more over five years, because it loses £60 every month you hold it — before any repair. That already assumes the rent never falls.

~£41,970

deposit · stamp duty · solicitor · feeswe haven’t been inside

£25,035 to buy it

□ works not inspected

What would have to be true?The working

£10,000 off and it stops losing money

At the asking price you feed it £60 a month. At £55,291 the rent covers everything — leaving stamp duty of £2,765 at that price.

offer £55,291

asked £69,950

◧ worked back from the rent■ stamp duty re-bandedrounded down to £5,000 — the rent it works back from is an estimate

Is it a good location?Open the map

Buy To Let Investment Opportunity, TQ2 5SR

No schools in this postcode area and flood risk checking… — open for the map, the schools and the rest.

Article 4Not assessed for this address

■ postcode area, not this address

Which strategy wins?The ways to run it

Short-stay let beats Standard rental by £135 a month

Let it to the council: £1,344 a year less, but they keep paying when it is empty.

Short-stay let+£75 · £67,005 in

26 nearby short-lets within 5.5 km · low confidence

Standard rental−£60 · £67,005 in

Guaranteed council rent−£172 · £67,005 in

Housing-benefit rent−£281 · £67,005 in

Each row: money kept a month, then the cash it ties up. Not compared: Rent by the room (only 1 bedroom) · Do it up, then remortgage (pays back at the remortgage) · 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

−£18,671 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 45% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £67,005 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£67,005+£107,350−£2,684−£52,463−£3,870−£18,671

Cash you put inSale valueSelling costsMortgageRent lossesYou are down

◧ 2.0%/yr growth assumed