Rented normally, you'd make about £210 a month, if it can be let.

Will it pay?Calculator

£210 of every £550 is yours to keep, each month

You keep 38p of every pound of rent. The mortgage takes 1p.

£262 running

£210 yours

£550 rent in£210 yours

◧ market rent £550 · 4 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

£3,284 + refurb costs

£2,821 of that never comes back — stamp duty, solicitor and lender fees.

£3,284 to buy it

~£1,110

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

□ works not inspected

What would have to be true?

No offer works back from a stand-in rent

Every price on this card is that rent inverted. This listing’s rent is a wider-area figure rather than a like-for-like comparison of nearby lettings, and a price worked back from it would be quoted to the £5,000 on evidence that cannot carry it.

◧ rent is a wider-area stand-in

Is the price right?Comparables

We can't tell — nothing nearby is alike enough

The dearest sold for 3.4× the cheapest, so the rent has to justify this price on its own.

you'd pay £1,850

£117,000

£198,972

£215,000

£230,000

£239,000

£242,000

£250,000

£261,000

£273,000

£283,000

£294,000

£395,000

£117k£256k£395k

£117,000 cheapest£395,000 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 98% 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.

£13 neededof £529 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £529PRA-style test

Is it a good location?Open the map

Northampton, NN2 8FJ

1 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 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 · 1 came back clear · 7 we could not check

■ from the Renters’ Rights Act 2025listing last seen 20 May 2026

Which strategy wins?The ways to run it

Rent by the room beats Guaranteed council rent by £500 a month

Your controls are set to Standard rental — £566 a month behind Rent by the room.

Rent by the room+£776 · £4,394 in

Guaranteed council rent+£276 · £4,394 in

Standard rental+£210 · £4,394 in

Housing-benefit rent+£180 · £4,394 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

+£10,666 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 45% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £4,394 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