Rented normally, it costs you £573 a month. That is £6,881 a year, every year you hold it.

Will it pay?Calculator

You top up £573 a month — the mortgage takes 63p of every pound of rent

Borrowing £105,862 less would close that shortfall — which is £105,862 more cash at the start, on top of the deposit.

£711 mortgage

£948 running

£1,129 rent in£573 short

◧ market rent £1,129 · 151 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

£58,125 + refurb costs

And about £34,405 more over five years, because it loses £573 every month you hold it — before any repair. That already assumes the rent never falls.

£58,125 to buy it

deposit · stamp duty · solicitor · fees~£12,802, unseen

□ works not inspected

What would have to be true?The search

No offer makes this pay

Even at £105,000 — well below the £175,000 asked — the rent still does not cover the costs. The gap is the rent against the running costs, not the price, so negotiating does not close it.

◧ worked back from the rent■ land transaction tax re-bandedtested down to £105,000

Is the price right?The deeds

Last sold for £170,000 in 2008

Nothing nearby is comparable, and it is asking about what it fetched in 2008.

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

Can we trust the rent?Rent evidence

Nearby lettings back this rent

We hold too few nearby asking rents to cross-check this figure, so nothing here confirms it a second way.

+141 more

our bar: 10 within 500 m

our own middle half£1,027–£1,241/mo

■ 151 lettings within 500 m□ no nearby asks to cross-checkAdvertised rents, not signed tenancies

What will the rent borrow?Lender test

The rent carries £119,788 of the £131,250 loan

That £11,462 is yours to find on top of the deposit. Tested at 125% instead of 145% — a company or a basic-rate taxpayer usually is — the rent carries the whole loan. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£1,189 needed

more than the £1,086 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £1,086PRA-style test

How big is it, really?The plan

The plan and the advert, side by side 761 sq ft

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

□ area off the floorplan — not a survey

Is it a good location?Open the map

Cardiff, CF10 1BL

No schools in this postcode area 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

£6,945 a year in charges for the building, owed even when nobody is living there

The contract the property is sold under sets these charges, and they can go up over the years.

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

■ from the listinglisting last seen 12 Sep 2026

Which strategy wins?The ways to run it

Every way loses money — Standard rental loses least, at £573 a month

Let it to the council: £2,916 a year less, but they keep paying when it is empty.

Standard rental−£573 · £70,927 in

Guaranteed council rent−£816 · £70,927 in

Housing-benefit rent−£1,010 · £70,927 in

Short-stay let−£1,036 · £70,927 in

36 nearby short-lets within 5.5 km · medium confidence

Each row: money kept a month, then the cash it ties up. Not compared: Rent by the room (only 1 bedroom) · 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?The five-year sums

−£42,105 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 27% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £70,927 you put in. The 5-year fix runs past this 5-year hold, so the rate reset comes after it.

◧ 2.0%/yr growth assumed