Rented normally, you'd make about £149 a month, if it can be let.

Will it pay?Calculator

£149 of every £799 is yours to keep, each month

You keep 19p of every pound of rent. The mortgage takes 36p.

£300 running

£799 rent in£149 yours

◧ market rent £799 · 11 comps2 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

£24,750 + refurb costs

£7,250 of that never comes back — stamp duty, solicitor and lender fees.

£24,750 to buy it

~£16,790

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 £70,000 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

We can't tell — nothing nearby is alike enough

The dearest sold for 3.2× the cheapest, so the rent has to justify this price on its own.

you'd pay £70,000

£78,000

£83,000

£95,000

£100,000

£126,000

£127,000

£130,000

£140,000

£145,000

£160,000

£170,000

£250,000

£78k£164k£250k

£78,000 cheapest£250,000 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 38% 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.

£476 needed

of £768 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £768PRA-style test

How big is it, really?The plan

The rooms are on the plan; the total is not

The plan is on file; the floor area is not.

□ no floor area published

Is it a good location?Open the map

Rotherham, S63 7BN

3 of 5 schools in this postcode area rated Good or Outstanding and flood risk checking… — open for the map, the schools and the rest.

Article 4Not assessed for this address

■ postcode area, not this address

What could kill thisThe checks

The property is being sold at auction, so the price shown is a guide, not what it will cost

Every figure on this page is worked from that price, so paying more than it cuts the return.

2 problems found · 6 we could not check · 1 does not apply to this property

■ from the listinglisting last seen 15 Sep 2026

Which strategy wins?The ways to run it

Nothing here beats a plain let

Let it to the council: £1,260 a year less, but they keep paying when it is empty.

Standard rental+£149 · £41,540 in

Rent by the room+£138 · £41,540 in

Guaranteed council rent+£44 · £41,540 in

Housing-benefit rent−£56 · £41,540 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

+£2,771 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 33% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £41,540 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