Summary - 56 DERBY ROAD NORTHAMPTON NN1 4JS
4 bed 1 bath Terraced
Fully let Victorian HMO with immediate rental income and low-maintenance garden.
Fully let four-bedroom HMO with £24,200 pa income
A fully let four-bedroom HMO on Derby Road offering immediate rental income and low-management upkeep. The property produces a reported annual income of £24,200 for the 2025/26 academic year and is presented in excellent, tenant-ready condition.
Built in the Victorian era, the mid-terrace retains character features — bay window, fireplaces and high ceilings — combined with modern updates including a fitted kitchen, UPVC double glazing and gas central heating. Accommodation is arranged over two floors and includes four double bedrooms, lounge, kitchen/diner, downstairs WC and one bathroom. A low-maintenance rear garden reduces external upkeep.
Key investor advantages are the proven HMO income, freehold tenure, central city location near good schools and strong mobile/broadband connectivity. Practical negatives to note: there is a single shared bathroom for four bedrooms, EPC rating D, on-street parking only, and the original solid brick walls are assumed uninsulated which may impact long-term energy performance. The area records above-average crime statistics, which may influence tenant profiles and yields.
Overall this property suits a buy-to-let investor seeking immediate cashflow in a central student/family rental market, or a landlord wanting a low-maintenance HMO with scope for energy improvements or cosmetic refresh to enhance capital value.
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