Enter a property address or reference before printing this assessment.
The headline opportunity
1. Start with your SCORE
Know what you want your investment to achieve before assessing the property. Set your capital, income and preferences using Property Kickstart's SCORE framework.
2. What would this property cost you?
Enter the asking price and adjust the estimated buying costs to assess your chosen scenario.
Estimated buying costs
You can change these estimated costs if you have different figures.
| Your deposit | |
| Stamp Duty | |
| Legal fees | |
| Survey | |
| Mortgage broker | |
| Mortgage arrangement | |
| Other Optional additional buying costs · leave blank if none | |
| Property Kickstart fee PK fee: 2% + VAT, minimum £3,000 + VAT (estimated from selected asking price) |
3. Does this fit your budget and income target?
Your personal SCORE comparison
Compare these figures with your investment criteria. They are modelled outcomes, not guaranteed income or an assessment of personal suitability.
4. Where does the monthly cash flow come from?
Rent is not the amount you keep. First we deduct estimated annual running costs, then the interest on the borrowing you selected. Here is the calculation for your current settings.
Edit the annual rental income or annual running costs below to model another property. Changing the running-cost total adjusts the boiler and buildings-insurance allowances, while retaining your entered management and other-cost amounts.
This is a modelled figure before personal taxes and any costs not included in the assumptions. Property Kickstart has not confirmed individual mortgage terms.
What is the difference between a financing assumption and a risk?
Financing assumption: a working estimate used to calculate a potential outcome. Financing risk: actual mortgage terms or costs may differ, affecting how much money you need or how much income remains.
| Our illustration assumes | What could be different? |
|---|---|
| A mortgage could cover 75% of the asking price. | A lender may offer only 60%, so you would need a larger deposit. |
| The mortgage rate is 6%. | A rate of 8% would reduce monthly cash flow. |
| Interest-only borrowing is available. | A repayment mortgage may require larger monthly payments. |
| Broker and arrangement fees match our estimates. | Actual fees may be higher, increasing cash required. |
An 8% scenario illustrates what could happen; it is not a prediction that rates will reach 8%.
5. Explore different scenarios
Projected outcome for your assumptions
Mandatory owner costs (annual)
These obligations cannot be removed. Enter a revised annual estimate when you have a quote.
| Boiler repair and replacement Owner responsible Annual allowance for boiler, heating and plumbing cover | |
| Buildings insurance Owner responsible Annual allowance for buildings insurance and related costs | |
| Management Annual management fee, if applicable. Choose a fixed yearly amount or a percentage of the annual rent. | Annual fee: £0 |
Add a description and estimated annual amount if applicable. |
| Annual gross income | |
| Management | £0 |
| Other landlord costs | £0 |
| Owner costs (boiler and buildings insurance allowances) | |
| Annual finance interest | |
| Annual cash flow | |
| Estimated acquisition cash | |
| Indicative pre-finance net yield | |
Interest cover ratio What is Interest Cover Ratio and why does it matter?What is Interest Cover Ratio (ICR)? It compares the rent a property generates with its mortgage interest costs. Why does it matter? Buy-to-let lenders use ICR to help assess whether the rental income can support the borrowing and how much they may lend. What do lenders typically look for? Some UK buy-to-let lenders require rent covering at least 125% to 145% of assessed mortgage interest (equivalent to 1.25× to 1.45×). Some require more. For example, 2.0× means £2 in rent for every £1 of mortgage interest. This is an illustrative ratio using your selected rate, not a lender affordability assessment. Lenders may test at a higher rate and apply other criteria. | |
The owner is responsible for boiler repairs and replacement and for buildings insurance. The allowances shown can be edited; actual charges may differ. Financed scenarios assume interest-only borrowing. The borrowing percentage and interest rate you choose are illustrations, not lending offers. ROI denominator includes deposit and PK acquisition allowances, including illustrative SDLT. Excludes tax, capital repayments, future appreciation and unmodelled liabilities.
See the difference scenarios make
These comparisons use the asking price, rental income and running-cost allowances you have entered, unless a stress is explicitly stated.
6. Make a VALUE decision: is this worth exploring?
Use VALUE to consider this property against your objectives, available capital and expectations. Each stage answers a different question.
Vision
What are you trying to achieve through property investment? Does this opportunity support that objective?
Analyse
How much capital would you need? How does the estimated monthly cash flow compare with your target? Review your SCORE comparison in Section 3.
Limit the downside
What happens to your estimated monthly cash flow if mortgage interest rates rise? Compare the starting 6% assumption with the 8% example, or move the interest-rate slider to test another rate.
Understand the options
Would another property or strategy suit your objectives better? What about keeping your capital available? You do not need to compare multiple properties inside this featured-property analyser to consider those alternatives.
Execute with discipline
Choose your next step based on the evidence and your criteria:
My decision about this property
Select the next step that best reflects your assessment. Your choice and any notes will appear in your saved PDF.
Please select a VALUE decision before printing.
This is an initial decision about whether the property merits further consideration, not a recommendation to buy. Contractual, lending and legal due diligence follows reservation with the appropriate professionals.
7. Choose your next step
Want to understand this opportunity better? Join the free Property Kickstart Deal Clinic to compare the opportunity with your investment goals, available capital and desired income.
Tick to enable printing or saving this assessment as a PDF. For another property, enter its address or reference first. This acknowledgement is not a waiver of your rights.
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Important information and disclaimer
This assessment provides general information and illustrative financial calculations only. It does not constitute an offer, investment recommendation or personalised financial, mortgage, tax or legal advice. Property Kickstart does not provide financial, mortgage, tax or legal advice.
Figures are based on current Property Kickstart assumptions and are for illustration only. Actual costs, finance terms, rental income and returns may vary. Property values can fall as well as rise, and investment returns are not guaranteed. Investors should carry out their own due diligence and obtain appropriate professional advice before making any investment decision.
The asking price, stated rent and editable costs are not evidence that a lender will offer the selected mortgage amount, rate or repayment type. Figures exclude personal tax and other costs unless expressly shown. Costs and figures entered or amended by the user have not been independently verified by Property Kickstart. The figures are not a quotation and do not guarantee affordability, finance approval, completion, income or investment performance.
The owner is responsible for boiler repairs and replacement and for buildings insurance. Insurance cover, exclusions, claim limits and any difference between cover and actual replacement costs should be confirmed with the relevant providers. Separate professional fees may apply. Investors are responsible for their own decisions and should consult appropriately qualified advisers before proceeding.
Printing or saving this assessment does not constitute a reservation, acceptance of Property Kickstart's terms, or an agreement to buy a property.