Offer the asking price£750Asking 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 2026-09-14). 5.75% headline + 0.75pp limited-company product premium = 6.50% charged in this model.
Rent no rent on file£0/moNo rent data — verify locally
Empty weeks a year a typical assumption2 wksTypical voids for BTL
Doing it up a general default, not this property£450Capped at 60% of £750 asking (£450). Raw model: £58,230–£103,995. Verify with a surveyor before offering. A survey could move the works by £45,765: between £58,230 and £103,995.
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£1,0112% product fee on £562.5 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 general default, not this property£67/moDefault £67/mo — type unknown
Service charge a typical figure, not a quote£0/moFreehold — no service charge
Ground rent a typical figure, not a quote£0/moFreehold — no ground rent
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.