Rented normally, you'd make about £174 a month.

Will it pay?Calculator

£174 of every £1,472 is yours to keep, each month

You keep 12p of every pound of rent. The mortgage takes 41p.

+£1,472−£609−£648−£41£174

Rent inMortgageRunning costsTaxProfit

Rent £1,472, modelled from 6 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

Try your own numbersLive

You keep£174/mo

All-in cash£124,942

Payback60.0 yrs

Offer−+

Deposit−+

Mortgage rate−+

Rent−+

Worked at 6.50% — 5.75% quoted plus a company premium.

◧ worked out from local rents

What will it cost me to buy?Breakdown

£50,750 + refurb costs

£13,250 of that never comes back — stamp duty, solicitor and lender fees.

~£74,192

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

£50,750 to buy it

□ 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 £150,000 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?The deeds

Last sold for £165,000 in 2006

Nothing nearby is comparable, but asking is 9% less than the £165,000 paid for it in 2006.

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

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 28% 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.

£1,020 needed

of £1,415 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,415PRA-style test

Who has to say yes?Council record

Bristol, City of approves 78% — 74% on a cautious reading

A council-wide rate, not a forecast — and Bristol, City of refuses schemes that sandwich a family home. Check both neighbours.

78%

0%50%100%

never approvesalways approves

the band is the cautious reading of the same 409 decisions — as low as 74%

■ Article 4 — planning permission requireddecision record held for this authority

How big is it, really?The plan

The rooms are on the plan; the total is not

The plan is on file; the floor area is not.

□ no floor area published

Is it a good location?Open the map

Bristol, BS11 9EG

1 of 4 schools in this postcode area rated Good or Outstanding and flood risk checking… — open for the map, the schools and the rest.

Article 4Planning permission required to let by the room

■ postcode area, not this address

What could kill thisThe checks

The council here has taken away the automatic right to rent this out by the room

You would have to apply for permission first, and the council can say no.

2 problems found · 2 came back clear · 5 we could not check

■ from the Article 4 maplisting last seen 18 Sep 2026

Which strategy wins?The ways to run it

Rent by the room beats Short-stay let by £126 a month

Your controls are set to Standard rental — £292 a month behind Rent by the room.

Rent by the room+£466 · £150,942 in

Short-stay let+£340 · £124,942 in

39 nearby short-lets within 11.1 km · medium confidence

Guaranteed council rent+£287 · £124,942 in

Standard rental+£174 · £124,942 in

Housing-benefit rent−£9 · £124,942 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, after 5 years?The five-year sums

−£12,780 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 42% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £124,942 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£124,942+£218,856−£5,471−£112,500+£11,277−£12,780

Cash you put inSale valueSelling costsMortgageRent keptYou are down

◧ 2.0%/yr growth assumed