4 bed house for sale Cecil Street, Lincoln, Lincolnshire, LN1

4 beds 2 baths Mid Terrace House

Freehold

Added on 16/09/2026

About this property

46 Cecil Street, Lincoln, LN1 3AU Positioned in the highly sought-after Uphill area of Lincoln, this well-located four-bedroom HMO presents an excellent turnkey investment opportunity. Fully let to students and secured on a tenancy agreement through to September 2026 & the following academic year, the property offers immediate and reliable rental income. The property is ideally situated for student tenants, benefiting from easy access to Lincoln’s historic Uphill district, a vibrant area known for its independent shops, cafés, and cultural attractions.

Key features

Fully Licensed HMO
Mid-Terraced
Let to Students
Four Bedrooms
Annual Gross Return of £22,440
City of Lincoln Council
Council Tax Band B
EPC Grade D

Floorplan

Location

Cecil Street, Lincoln, Lincolnshire, LN1

Open map Street View

Council tax band: B

Mortgage and stamp duty

Property price £285,000

£142k £428k

Deposit10% £29,000

£0 £285k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £256,000 mortgage. Most lenders would want a household income of about £57,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.