Rented normally, it costs you £11 a month. That is £133 a year, every year you hold it.

Will it pay?Calculator

You top up £11 a month — the mortgage takes 41p of every pound of rent

Borrowing £2,039 less would close that shortfall — which is £2,039 more cash at the start, on top of the deposit.

£366 mortgage

£504 running

£893 rent in£11 short

£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

£34,050 + refurb costs

And about £663 more over five years, because it loses £11 every month you hold it — before any repair. That already assumes the rent never falls.

£34,050 to buy it

~£9,131

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

□ works not inspected

What would have to be true?

Break-even is within £5,000 of the asked price

It lands that close to the £90,000 asked — inside the step this card rounds to, and inside the confidence band on the rent it works back from. So the price asked is already about the price this rent carries, and there is no honest discount to print.

◧ worked back from the rent

Is the price right?The deeds

Last sold for £100,251 in 2026

Nothing nearby is comparable, but asking is 10% less than the £100,251 paid for it in 2026.

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

Can we trust the rent?Rent evidence

Nearby lettings, but only by searching 1.5 km

We widened the search to find them, so these are not next-door comparisons.

+36 more

our bar: 10 within 500 m

our own middle half£797–£1,001/mo

■ 46 lettings within 1.5 km□ searched wider than our barAdvertised rents, not signed tenancies

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 29% 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.

£612 needed

of £859 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £859PRA-style test

How big is it, really?The plan

One figure, and nothing checking it 495 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

Nearest stop up to 2 km away

Beyond a comfortable walk, and more than nine in ten listings we cover have one closer.

Article 4Not assessed for this address

■ postcode area, not this address■ nearest stop in our data□ kind of stop not recordedstraight-line distance, not the walk

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 · 2 came back clear · 3 we could not check · 3 do not apply to this property

■ from the Renters’ Rights Act 2025listing last seen 14 Sep 2026

Which strategy wins?The ways to run it

Every way loses money — Standard rental loses least, at £11 a month

Let it to the council: £120 a year less, but they keep paying when it is empty.

Standard rental−£11 · £43,181 in

Guaranteed council rent−£21 · £43,181 in

Housing-benefit rent−£218 · £43,181 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?The five-year sums

−£8,127 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 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 £43,181 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