Rented normally, you'd make about £89 a month.

Will it pay?Calculator

£89 of every £878 is yours to keep, each month

You keep 10p of every pound of rent. The mortgage takes 46p.

+£878−£406−£362−£21£89

Rent inMortgageRunning costsTaxProfit

Rent £878, modelled from 31 nearby lettings

◧ market rent £878 · 31 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

£37,199 + refurb costs

£12,200 of that never comes back — LBTT, solicitor and lender fees.

£37,199 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 £99,995 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 19% 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.

£680 needed

of £844 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £844PRA-style test

How big is it, really?The plan

Measured off the plan, not by a surveyor 968 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

Kilmarnock, KA3 1QP

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 · 1 came back clear · 5 we could not check · 2 do not apply to this property

■ from the Renters’ Rights Act 2025listing last seen 19 Sep 2026

Which strategy wins?The ways to run it

Rent by the room beats Standard rental by £108 a month

Rent by the room also ties up the least cash, £53,989.

Rent by the room+£197 · £53,989 in

Standard rental+£89 · £53,989 in

Housing-benefit rent−£111 · £53,989 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) · Guaranteed council rent (no scheme in this borough) · 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, after 5 years?The five-year sums

−£3,787 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 31% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £53,989 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£53,989+£122,452−£3,061−£74,996+£5,807−£3,787

Cash you put inSale valueSelling costsMortgageRent keptYou are down

◧ 2.0%/yr growth assumed