There is no rent on file for this address, so nothing here can be priced from one.

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.

No rent is recorded for this address, so nothing here can be priced from one. Put a rent you believe into the calculator and every figure below moves with it.

□ no rent on file

What will it cost me to buy?Breakdown

£194,650 + refurb costs

£57,150 of that never comes back — stamp duty, solicitor and lender fees.

£194,650 to buy it

deposit · stamp duty · solicitor · fees~£28,152, unseen

□ works not inspected

What would have to be true?

No recorded basis for the rent to work from

Every price on this card is that rent inverted, and this row records no basis for its rent — not that the rent is wrong, but that we cannot show it was measured against nearby lettings. A price quoted to the £5,000 needs evidence we can point at.

□ rent basis not recorded

Is the price right?The deeds

Last sold for £190,000 in 2013

Nothing nearby is comparable, but asking is 189% more than the £190,000 paid for it in 2013.

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

Who has to say yes?Council record

County Durham council approves 0% — 0% on a cautious reading

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

0%

0%50%100%

never approvesalways approves

the band is the cautious reading of the same 3 decisions — as low as 0%

■ 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

Durham, DH7 7AU

1 of 5 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.

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

■ from council licensing registerlisting last seen 21 Aug 2026

Which strategy wins?

No rent on file, so nothing can be ranked

No rent is recorded for this address, so nothing here can be priced from one. Put a rent you believe into the calculator and every figure below moves with it.

□ no market renta comparison needs a rent for every way of letting it

What would you walk away with, after 5 years?The five-year sums

−£185,358 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 £222,802 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

−£222,802+£627,448−£15,686−£412,500−£161,818−£185,358

Cash you put inSale valueSelling costsMortgageRent lossesYou are down

◧ 2.0%/yr growth assumed