Rented normally, it costs you £217 a month. That is £2,605 a year, every year you hold it.

Will it pay?Calculator

You top up £217 a month — the mortgage takes 63p of every pound of rent

Borrowing £40,069 less would close that shortfall — which is £40,069 more cash at the start, on top of the deposit.

£548 mortgage

£502 running

£867 rent in£217 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

£45,725 + refurb costs

And about £13,023 more over five years, because it loses £217 every month you hold it — before any repair. That already assumes the rent never falls.

~£57,598

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

£45,725 to buy it

□ works not inspected

What would have to be true?The working

£50,000 off and it stops losing money

At the asking price you feed it £217 a month. At £81,567 the rent covers everything — leaving stamp duty of £4,078 at that price.

offer £81,567

asked £135,000

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

Is the price right?The deeds

Last sold for £73,000 in 2020

Nothing nearby is comparable, but asking is 85% more than the £73,000 paid for it in 2020.

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

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.

+105 more

our bar: 10 within 500 m

our own middle half£805–£934/mo

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

What will the rent borrow?Lender test

The rent carries £91,989 of the £101,250 loan

That £9,261 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.

£918 needed

more than the £834 rent

stressed at 7.5%, 145% cover

◧ rent after empty weeks £834PRA-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

Stockport, SK1 4DQ

2 of 2 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 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 · 4 we could not check · 2 do not apply to this property

■ from the Renters’ Rights Act 2025listing last seen 16 Sep 2026

Which strategy wins?The ways to run it

Short-stay let beats Standard rental by £885 a month

Let it to the council: £696 a year less, but they keep paying when it is empty.

Short-stay let+£668 · £103,323 in

73 nearby short-lets within 11.1 km · low confidence

Standard rental−£217 · £103,323 in

Guaranteed council rent−£275 · £103,323 in

Housing-benefit rent−£458 · £103,323 in

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

−£33,053 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 40% in the price would leave nothing from a sale after selling costs, and you would still owe the lender any shortfall. That is the £103,323 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