Rented normally, you'd make about £172 a month.

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 · 1 came back clear · 4 we could not check · 2 do not apply to this property

■ from the listinglisting last seen 19 Sep 2026

Will it pay?Calculator

£172 of every £1,305 is yours to keep, each month

You keep 13p of every pound of rent. The mortgage takes 47p.

+£1,305−£609−£483−£40£172

Rent inMortgageRunning costsTaxProfit

Rent £1,305, modelled from 79 nearby lettings

□ 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

£50,750 + refurb costs

£13,250 of that never comes back — stamp duty, solicitor and lender fees.

£50,750 to buy it

~£51,444

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

□ 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 £150,000 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?Comparables

Nothing nearby is comparable — but it is 20% over its 2013 price

The dearest sold for 4.5× the cheapest, so the rent has to justify this price on its own.

you'd pay £150,000

£84,000

£115,000

£138,000

£140,000

£150,000

£155,000

£160,000

£170,000

£175,000

£265,000

£287,500

£375,000

£84k£229.5k£375k

£84,000 cheapest£375,000 dearest

12 completed sales, same property type, last 3 years

□ 12 sold nearby, not matched on sizeHM Land Registry Price Paid Data

How big is it, really?The plan

One figure, and nothing checking it 517 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

No school rated Good or better in this postcode area

1 school in this postcode area, none rated Good or better 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

Nothing here beats a plain let

Let it to the council: £3,612 a year less, but they keep paying when it is empty.

Standard rental+£172 · £102,194 in

Guaranteed council rent−£129 · £102,194 in

Housing-benefit rent−£332 · £102,194 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) · Short-stay let (no local short-let data) · 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, after 5 years?The five-year sums

−£6,040 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 37% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £102,194 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£102,194+£202,531−£5,063−£112,500+£11,186−£6,040

Cash you put inSale valueSelling costsMortgageRent keptYou are down

◧ 2.0%/yr growth assumed