Rented normally, you'd make about £95 a month.

Will it pay?Calculator

£95 of every £1,027 is yours to keep, each month

You keep 9p of every pound of rent. The mortgage takes 34p.

£525 running

£1,027 rent in£95 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

£29,775 + refurb costs

£8,525 of that never comes back — stamp duty, solicitor and lender fees.

£29,775 to buy it

~£20,390

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 £85,000 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

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 41% 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.

£578 needed

of £988 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £988PRA-style test

How big is it, really?The working

One figure, and nothing checking it 506 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

1 school in this postcode area, none rated Good or better 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 · 1 came back clear · 4 we could not check · 2 do 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: £1,788 a year less, but they keep paying when it is empty.

Standard rental+£95 · £50,165 in

Guaranteed council rent−£54 · £50,165 in

Housing-benefit rent−£139 · £50,165 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

−£1,983 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 £50,165 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