Rented normally, you'd make about £237 a month.

Will it pay?Calculator

£237 of every £1,328 is yours to keep, each month

You keep 18p of every pound of rent. The mortgage takes 36p.

+£1,328−£483−£552−£56£237

Rent inMortgageRunning costsTaxProfit

Rent £1,328, modelled from 91 nearby lettings

◧ market rent £1,328 · 91 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

£40,485 + refurb costs

£10,735 of that never comes back — stamp duty, solicitor and lender fees.

£40,485 to buy it

deposit · stamp duty · solicitor · fees~£1,725, 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 £119,000 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 1.9× the cheapest, so the rent has to justify this price on its own.

you'd pay £119,000

£159,950

£174,500

£185,000

£200,000

£218,000

£218,636

£220,000

£240,000

£247,700

£266,000

£275,000

£300,000

£160k£230k£300k

£159,950 cheapest£300,000 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 37% 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.

£809 needed

of £1,277 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,277PRA-style test

How big is it, really?The plan

One figure, and nothing checking it 333 sq ft

Only the agent’s figure exists for this house. Open for what that means.

□ area unchecked — agent’s own

Is it a good location?Open the map

Bristol, BS5 7LA

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

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.

2 problems found · 4 came back clear · 1 we could not check · 2 do not apply to this property

■ from council licensing registerlisting last seen 19 Sep 2026

Which strategy wins?The ways to run it

Short-stay let beats Guaranteed council rent by £379 a month

Your controls are set to Standard rental — £420 a month behind Short-stay let.

Short-stay let+£657 · £42,210 in

8 nearby short-lets within 5.5 km · medium confidence

Guaranteed council rent+£278 · £42,210 in

Standard rental+£237 · £42,210 in

Housing-benefit rent+£28 · £42,210 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

+£13,262 after five years on the cash you put in, before tax on the sale

More 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 24% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £42,210 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£42,210+£132,624−£3,316−£89,250+£15,414+£13,262

Cash you put inSale valueSelling costsMortgageRent keptYou walk with

◧ 2.0%/yr growth assumed