KEY INVESTMENT HIGHLIGHTS
Legally Compliant & Fully Approved
Substantial Detached Accommodation
- 7 bedrooms, each with en-suite / private bathroom (7 bath)
-
Private rear garden – a genuine premium for tenants and a point of differentiation from typical terraced HMOs
-
Off-street parking plus a detached garage – highly desirable and rarely available with HMO stock
- Detached construction, offering greater privacy, less noise transfer between rooms, and stronger tenant retention
Strong, Immediate Rental Income
- Fully let at present, producing a combined income of £6,175 per calendar month
- £74,100 in gross annual income
- Let to a student cohort, with council tax exemption removing a significant holding cost
CURRENT RENTAL INCOME
Room 1: £950 pcm
Room 2: £825 pcm
Room 3: £875 pcm
Room 4: £750 pcm
Room 5: £950 pcm
Room 6: £850 pcm
Room 7: £975 pcm
Total Monthly Income: £6,175
Total Annual Income: £74,100
ANNUAL OPERATING COSTS
Council Tax (Student Exempt): £0 pcm
TV Licence: £15 pcm
Water: £120 pcm
Energy: £300 pcm
Cleaner: £120 pcm
Broadband: £58 pcm
Total Monthly Outgoings: £613
Total Annual Outgoings: £7,356
INVESTMENT PERFORMANCE
Based on the asking price of £650,000, and using current rental income and running costs, the property produces the following returns:
Asking Price: £650,000
Net Annual Income: £66,744
Gross Yield: 11.4%
Net Yield: 10.3%
With a net annual income of £66,744, this equates to a gross yield of 11.4% and a net yield of 10.3%, figures that comfortably outperform both typical buy-to-let returns and the majority of HMO stock currently on the market. Student-let status also removes council tax liability entirely, materially improving the cost base relative to a professional-let HMO of equivalent size.
WHY THIS PROPERTY STANDS OUT
- Exceptional Net Yield
A net yield in excess of 10% is difficult to achieve in the current market, particularly on a fully compliant, fully let asset with no immediate capital expenditure required.
- Rare Detached HMO with Private Garden & Garage
The vast majority of HMO stock is terraced or semi-detached with little to no outside space. A detached 7-bed HMO with a private garden, off-street parking and a garage is a genuinely scarce configuration, commanding stronger tenant demand and long-term capital resilience.
-
Zero Planning or Licensing Risk
With HMO planning permission and licensing already secured, a purchaser avoids the time, cost, and uncertainty typically associated with bringing a new HMO to market – this asset is income-producing from completion.
- Reduced Holding Costs via Student Exemption
Council tax exemption for full-time student occupation removes what is typically one of the largest annual outgoings for an HMO, materially strengthening net returns relative to comparable professional lets.
- Flexible Management
A new owner may continue the current management arrangement or transfer to a professional HMO management company, making this an equally suitable acquisition for hands-on investors and hands-off portfolio landlords alike.
LOCATION: BUCKINGHAM
Buckingham is a historic and highly desirable market town in North Buckinghamshire, home to the University of Buckingham, the UK’s longest-established independent university – as well as excellent road links via the A421 and A413, connecting easily to Milton Keynes, Oxford, Bicester, and the wider M1/M40 corridor.
The town benefits from consistently strong rental demand driven by its resident student population, a limited supply of purpose-built and licensed HMO accommodation, and ongoing growth across the wider Buckinghamshire and Milton Keynes economic corridor. Limited HMO licensing availability in the area further protects existing licensed stock such as 4 London Road from oversupply, supporting both rental levels and capital values over the medium to long term.
This combination of constrained supply, resilient student demand, and strong transport connectivity makes Buckingham a compelling location for HMO investment, and 4 London Road, as a fully compliant and already-let asset, represents a rare opportunity to acquire that exposure without development or licensing risk.
SUMMARY
4 London Road is a rare, fully compliant, and fully income-producing 7-bed HMO investment, distinguished by its detached configuration, private garden, and off-street parking with garage, features that set it apart from the majority of HMO stock on the market. Delivering a net yield of 10.3% against an asking price of £650,000, with full planning and licensing already in place, this is a turnkey acquisition suited to both first-time and experienced HMO investors seeking secure, high-performing income in a supply-constrained university town.
