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5 bed house for sale Merchant Street, Derby, DE22

Offers over

£250,000

Added on 24/09/2026

Type: Terraced
Bedrooms: 5
Bathrooms: 3
Size: £198 per sq ft
Tenure: Freehold

EPC C 80 potential B

Key features

INVESTMENT ONLY - Licensed HMO
Approximately £2,325pcm Projected Gross Income
Located off Ashbourne Road, Close to the University & City Centre
Five Bedrooms, 3 Shower Rooms, Generous Communal Space

About this property

This mid-terrace property is a fully licensed HMO arranged as five individual lets, currently accumulating a combined rental income of approximately £2,100 per calendar month. The property will be sold vacant offering an opportunity to re-let at an enhanced level. The projected rental income is estimated at £2,325 per calendar month, equating to £27,900 per annum.

Floorplan

Energy performance

C 80

Current

Potential

92+

81-91

90 B

69-80

80 C

55-68

39-54

21-38

1-20

This home is rated band C, scoring 80 out of 100. The average British home is band D. Its certificate says it could reach band B (90) if the improvements it recommends were carried out.

Read from the certificate published with this listing, so it may not be the latest one. Check the government EPC register for the full certificate and its recommendations.

Council tax

Ask agent

Per year

Band A

£1,537
Band B

£1,794
Band C

£2,050
Band D

£2,306
Band E

£2,818
Band F

£3,331
Band G

£3,843
Band H

£4,612

The agent hasn't said which band this home is in; you can look it up on GOV.UK. In Derby, 2026/27 bills run from £1,537 a year in band A to £4,612 in band H.

Figures from MHCLG (Open Government Licence v3): the average bill for each band across Derby, including the typical parish precept, so a parish's own bill can differ a little. Discounts lower the bill, such as 25% off for an adult living alone.

Price guide

44 comparables · within 2.9 miles

Cheaper than 86% of the 5+ bed houses for sale nearby right now.

This home, £250,000 Median £575,000 · £250,000 – £995,000

Per square foot

£198 8% under

5+ bed houses nearby £215

Against sold prices

27% under

DE22 sold median £270 / sq ft, 1,363 sales

Compared with 44 5+ bed houses for sale within 2.9 miles, on the market now or already under offer. The range is the middle 80% of their asking prices. Sold prices are HM Land Registry sales in DE22 over the last 24 months, per square foot of EPC floor area. All sold £/sq ft in DE22 →

Location

Merchant Street, Derby, DE22

Open map Street View

Mortgage and stamp duty

Property price £250,000

£125k £375k

Deposit10% £25,000

£0 £250k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £225,000 mortgage. Most lenders would want a household income of about £50,000 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.

Properties sold nearby

HM Land Registry sales nearby. Floor areas from Energy Performance Certificates where matched.

Address	Type	Sold	Size	Size	£/sq ft	Price
9, Merchant Street Terraced	Terraced	Apr 2024	1,098 sq ft £109/sq ft	1,098 sq ft	£109	£120,000
18, Merchant Street Terraced	Terraced	Jun 2022	743 sq ft £178/sq ft	743 sq ft	£178	£132,500
2, Merchant Street Terraced	Terraced	Sept 2021	743 sq ft £180/sq ft	743 sq ft	£180	£133,650
18, Merchant Street Terraced	Terraced	Sept 2019	743 sq ft £159/sq ft	743 sq ft	£159	£118,000
3, Merchant Street Terraced	Terraced	Sept 2016	689 sq ft £132/sq ft	689 sq ft	£132	£91,000
12, Merchant Street Terraced	Terraced	Aug 2016	764 sq ft £97/sq ft	764 sq ft	£97	£74,000
18, Merchant Street Terraced	Terraced	May 2016	743 sq ft £135/sq ft	743 sq ft	£135	£100,500
25, Merchant Street Terraced	Terraced	Nov 2015	775 sq ft £148/sq ft	775 sq ft	£148	£114,500