Rented normally, it costs you £1,234 a month. That is £14,806 a year, every year you hold it.

Will it pay?Calculator

The mortgage alone costs more than the whole rent — you top up £1,234 a month

It is £1,234 a month short. Borrowing £227,789 less would close that shortfall — which is £227,789 more cash at the start, on top of the deposit.

£1,532 mortgage

£673 rent in£1,234 short

◧ market rent £673 · 6 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

£130,755 + refurb costs

And about £74,031 more over five years, because it loses £1,234 every month you hold it — before any repair. That already assumes the rent never falls.

£130,755 to buy it

deposit · stamp duty · solicitor · fees~£16,790, unseen

□ works not inspected

What would have to be true?The search

No offer makes this pay

Even at £226,200 — well below the £377,000 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■ stamp duty re-bandedtested down to £226,200

Is the price right?Comparables

We can't tell — nothing nearby is alike enough

The dearest sold for 2.1× the cheapest, so the rent has to justify this price on its own.

you'd pay £377,000

£287,000

£290,000

£310,000

£311,500

£327,500

£335,000

£350,000

£360,000

£385,000

£390,000

£435,000

£590,000

£287k£438.5k£590k

£287,000 cheapest£590,000 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 £71,406 of the £282,750 loan

That £211,344 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 gap is £199,919. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£2,562 needed

more than the £647 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £647PRA-style test

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

Rotherham, S65 4QQ

2 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 4Not assessed for this address

■ 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 · 1 came back clear · 6 we could not check

■ from council licensing registerlisting last seen 15 Sep 2026

Which strategy wins?The ways to run it

Every way loses money — Rent by the room loses least, at £582 a month

Let it to the council: £288 a year less, but they keep paying when it is empty.

Rent by the room−£582 · £173,545 in

Standard rental−£1,234 · £147,545 in

Guaranteed council rent−£1,258 · £147,545 in

Housing-benefit rent−£1,372 · £147,545 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) · 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

−£92,910 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 25% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £147,545 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