Rented normally, it costs you £16 a month. That is £186 a year, every year you hold it.

Will it pay?Calculator

You top up £16 a month — the mortgage takes 65p of every pound of rent

Borrowing £2,868 less would close that shortfall — which is £2,868 more cash at the start, on top of the deposit.

£914 mortgage

£1,400 rent in£16 short

◧ market rent £1,400 · 8 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

£81,925 + refurb costs

And about £932 more over five years, because it loses £16 every month you hold it — before any repair. That already assumes the rent never falls.

£81,925 to buy it

deposit · stamp duty · solicitor · fees~£16,790, unseen

□ 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 £225,000 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 £100,000 in 2011

Nothing nearby is comparable, but asking is 125% more than the £100,000 paid for it in 2011.

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

What will the rent borrow?Lender test

The rent carries £148,541 of the £168,750 loan

That £20,209 is yours to find on top of the deposit. Tested at 125% instead of 145% — a company or a basic-rate taxpayer usually is — the rent carries the whole loan. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£1,529 needed

more than the £1,346 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,346PRA-style test

How big is it, really?The plan

Measured off the plan, not by a surveyor 1,084 sq ft

The area comes off the plan, not a survey. Open for what that means.

□ area off the floorplan — not a survey

Is it a good location?Open the map

Kirkcaldy, KY16 0DG

No schools in this postcode area 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 · 2 came back clear · 4 we could not check · 2 do not apply to this property

■ from the Renters’ Rights Act 2025listing last seen 15 Sep 2026

Which strategy wins?The ways to run it

Short-stay let beats Standard rental by £939 a month

Let it to the council: £5,436 a year less, but they keep paying when it is empty.

Short-stay let+£923 · £98,715 in

3 nearby short-lets within 20 km · low confidence

Standard rental−£16 · £98,715 in

Rent by the room−£163 · £124,715 in

Guaranteed council rent−£469 · £98,715 in

Housing-benefit rent−£620 · £98,715 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) · Buy, improve & sell (pays out on sale)

◧ 5 ways, one measureranked on money kept each month, at the asking price

What would you walk away with?The five-year sums

−£14,519 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 27% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £98,715 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