Rented normally, you'd make about £57 a month.

Will it pay?Calculator

£57 of every £1,440 is yours to keep, each month

You keep 4p of every pound of rent. The mortgage takes 49p.

+£1,440−£711−£659−£13£57

Rent inMortgageRunning costsTaxProfit

Rent £1,440, modelled from 32 nearby lettings

□ 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

£59,555 + refurb costs

£15,805 of that never comes back — stamp duty, solicitor and lender fees.

£59,555 to buy it

deposit · stamp duty · solicitor · fees~£9,818, unseen

□ 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 £175,000 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 £175,000

£117,000

£167,000

£170,000

£170,000

£210,000

£213,000

£215,000

£230,000

£250,000

£290,000

£300,000

£380,000

£117k£248.5k£380k

£117,000 cheapest£380,000 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 14% 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.

£1,189 needed

of £1,385 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,385PRA-style test

How big is it, really?The plan

The plan and the advert, side by side 415 sq ft

Two figures for this house, and neither is a survey. Open for both.

AdvertFloorplan

405 sq ft434 sq ft462 sq ft

405 sq ft462 sq ft

neither is a survey — a tape measure settles it

□ area off the floorplan — not a survey

Is it a good location?Open the map

Bristol, BS4 3NP

2 of 3 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

You would need a licence from the council first

Letting without the council’s licence is an offence, and the fee is in no figure here.

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

■ from council licensing registerlisting last seen 14 Sep 2026

Which strategy wins?The ways to run it

Short-stay let beats Standard rental by £55 a month

Let it to the council: £396 a year less, but they keep paying when it is empty.

Short-stay let+£112 · £69,373 in

3 nearby short-lets within 5.5 km · low confidence

Standard rental+£57 · £69,373 in

Guaranteed council rent+£24 · £69,373 in

Housing-benefit rent−£279 · £69,373 in

Each row: money kept a month, then the cash it ties up. Not compared: Rent by the room (only 2 bedrooms) · Do it up, then remortgage (pays back at the remortgage) · 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, after 5 years?The five-year sums

−£1,672 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 26% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £69,373 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£69,373+£200,260−£5,007−£131,250+£3,697−£1,672

Cash you put inSale valueSelling costsMortgageRent keptYou are down

◧ 2.0%/yr growth assumed