Rented normally, you'd make about £1,178 a month.

Will it pay?Calculator

£1,178 of every £3,813 is yours to keep, each month

You keep 31p of every pound of rent. The mortgage takes 33p.

£3,813 rent in£1,178 yours

£175 of that is a guess — no service charge published.

□ 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

£106,625 + refurb costs

£29,125 of that never comes back — land transaction tax, solicitor and lender fees.

£106,625 to buy it

~£31,280

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 £310,000 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 25% over its 2003 price

The dearest sold for 2.9× the cheapest, so the rent has to justify this price on its own.

you'd pay £310,000

£73,000

£100,000

£100,000

£114,000

£125,000

£125,000

£130,000

£131,000

£135,000

£150,000

£158,000

£210,000

£73k£141.5k£210k

£73,000 cheapest£210,000 dearest

12 completed sales, same property type, last 3 years

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

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 43% and still cover it

Your deposit is what limits this one, not the rent. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£2,107 needed

of £3,666 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £3,666PRA-style test

Who has to say yes?Council record

Cardiff council decides

We hold this council's record, but no rate goes beside a blocker. Get Cardiff council's pre-application advice before you commit.

■ Article 4 — planning permission required■ authority named in the planning data■ over-concentration flaggedfrom the Article 4 map we hold

How big is it, really?The working

One figure, and nothing checking it 786 sq ft

The advert and the survey disagree — open for both figures and the gap.

■ area measured on site

Is it a good location?Open the map

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

What could kill thisThe checks

The council here has taken away the automatic right to rent this out by the room

You would have to apply for permission first, and the council can say no.

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

■ from the Article 4 maplisting last seen 15 Sep 2026

Which strategy wins?The ways to run it

Nothing here beats a plain let

Let it to the council: £17,784 a year less, but they keep paying when it is empty.

Standard rental+£1,178 · £137,905 in

Rent by the room+£18 · £137,905 in

Guaranteed council rent−£304 · £137,905 in

Housing-benefit rent−£671 · £137,905 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?The five-year sums

+£61,757 after five years on the cash you put in, before tax on the sale

More 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 28% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £137,905 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

◧ 2.0%/yr growth assumed