Rented normally, it costs you £3,660 a month. That is £43,924 a year, every year you hold it.

Will it pay?Calculator

The mortgage alone costs more than the whole rent — you top up £3,660 a month

It is £3,660 a month short. Borrowing £675,758 less would close that shortfall — which is £675,758 more cash at the start, on top of the deposit.

£3,758 mortgage

£436 rent in£3,660 short

◧ market rent £436 · 1 comp2 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

£331,525 + refurb costs

And about £219,621 more over five years, because it loses £3,660 every month you hold it — before any repair. That already assumes the rent never falls.

£331,525 to buy it

deposit · stamp duty · solicitor · fees~£37,794, unseen

□ works not inspected

What would have to be true?The search

No offer makes this pay

Even at £555,000 — well below the £925,000 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 £555,000

What will the rent borrow?Lender test

The rent carries £46,260 of the £693,750 loan

That £647,490 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 £640,088. Lenders test the rent at 7.5% and need it to cover 145% of the payment.

£6,287 needed

more than the £419 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £419PRA-style test

How big is it, really?The plan

One figure, and nothing checking it 2,572 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

Doncaster, DN5 7NR

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 · 5 we could not check · 1 does not apply to this property

■ from council licensing registerlisting last seen 03 Sep 2026

Which strategy wins?The ways to run it

Every way loses money — Rent by the room loses least, at £2,506 a month

Your controls are set to Standard rental — £1,154 a month behind Rent by the room.

Rent by the room−£2,506 · £411,319 in

Guaranteed council rent−£3,591 · £369,319 in

Standard rental−£3,660 · £369,319 in

Housing-benefit rent−£3,695 · £369,319 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

−£278,789 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 £369,319 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