Compact two-bed in the Arboretum conservation area. The lowest entry price here, and the smallest stamp duty bill to go with it.
Why this one
At £129,950 this is the cheapest way onto the list, and the stamp duty reflects it: £6,597 against £10,450 on the Leeds terrace. Lower entry, lower risk, lower absolute return.
What we would watch
The Arboretum conservation area restricts external changes, windows included. Assume any glazing upgrade needs consent and costs more than a standard replacement.
Run it with your own deposit and rate
The price and rent below are already this property’s. Change the deposit, the rate or the mortgage type and every figure updates.
This deal
Mortgage type
Gross yield7.34%
Stamp duty£6,597
Deposit£32,488
Monthly interest£439
Monthly cashflow£356
Total cash in£41,584
Cash-on-cash return10.29%
England & NI rates including the 5% additional-dwelling surcharge. Figures are an estimate, not tax advice.