10/08/2026
The numbers for:
🏡 STAITHES WALK, DONCASTER
✅ 3 Bed End Terrace
Purchase Price: £127,500
Funding:
• Deposit: £31,875 (25%)
• Interest Only Mortgage: £95,625
Purchase Costs:
• Stamp Duty: £6,425
• Broker Fee: £1,100
• Solicitor Fee: £1,755
• Insurance: £245.98
Total Cash Invested: £41,400.98
Rental Income:
• £975 pcm
• £11,700 per annum
Mortgage Payment:
• £372.77 pcm
• Maintenance/Void Buffer (5%): £48.75 pcmNet
Cash Flow (Self-Managed):
• £553.48 pcm
• £6,641.76 per annum
Gross Yield: 9.18%
Net Cash-on-Cash Return: 16.04%
(Note: Because I manage this asset myself, I save an extra 10% in letting agent fees, boosting my personal return to 16.04%!
For a hands-off investor, the net ROI would sit at a brilliant 13.22%.)
COMPARE THIS TO THE AVERAGE SAVINGS ACCOUNT INTEREST RATE OF AROUND 3-5% PER YEAR.
IN ADDITION TO THE CASH FLOW, THE PROPERTY ALSO HAS THE POTENTIAL FOR CAPITAL GROWTH OVER TIME, PROVIDING A SECOND ROUTE TO BUILDING WEALTH. 🌱