Rented normally, it costs you £21 a month. That is £257 a year, every year you hold it.

Will it pay?Calculator

You top up £21 a month — the mortgage takes 41p of every pound of rent

Borrowing £3,958 less would close that shortfall — which is £3,958 more cash at the start, on top of the deposit.

£358 mortgage

£501 running

£871 rent in£21 short

£175 of that is a guess — no service charge published.

□ service charge not published2 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

£33,360 + refurb costs

And about £1,287 more over five years, because it loses £21 every month you hold it — before any repair. That already assumes the rent never falls.

£33,360 to buy it

~£9,862

deposit · stamp duty · solicitor · feeswe haven’t been inside

□ works not inspected

What would have to be true?The working

£5,000 off and it stops losing money

At the asking price you feed it £21 a month. At £82,715 the rent covers everything — leaving LBTT of £6,617 at that price.

offer £82,715

asked £88,000

◧ worked back from the rent■ LBTT re-bandedrounded down to £5,000 — the rent it works back from is an estimate

Can we trust the rent?Rent evidence

Nearby lettings, but only by searching 1.5 km

We widened the search to find them, so these are not next-door comparisons.

+117 more

our bar: 10 within 500 m

our own middle half£826–£918/mo

■ 127 lettings within 1.5 km□ searched wider than our barAdvertised rents, not signed tenancies

What will the rent borrow?Lender test

The rent carries the whole loan — it could fall 29% 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.

£598 needed

of £838 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £838PRA-style test

How big is it, really?The plan

One figure, and nothing checking it 548 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

Glasgow, G32 7XL

No schools in this postcode area 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 to know before you offerThe checks

Every tenancy here is periodic, with no Section 21 to end it

Tenancies are now periodic, with no Section 21 — budget a longer void.

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

■ from the Renters’ Rights Act 2025listing last seen 15 Sep 2026

Which strategy wins?The ways to run it

Guaranteed council rent beats Short-stay let by £52 a month

Your controls are set to Standard rental — £105 a month behind Guaranteed council rent.

Guaranteed council rent+£84 · £43,222 in

Short-stay let+£32 · £43,222 in

3 nearby short-lets within 11.1 km · low confidence

Standard rental−£21 · £43,222 in

Housing-benefit rent−£94 · £43,222 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?The five-year sums

−£8,985 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 28% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £43,222 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