Design & Build ● Available now Hands-off · No travel needed
Ramsden Street, Barrow-in-Furness
LA14 2HQ · Barrow-in-Furness, Cumbria · Close to BAE Systems Shipyard
Cash required
£49,079
post-refinance
Projected rental
£44,700
per year gross
Net ROI
36.75%
post-refinance
About this investment
A 6-bedroom Design & Build HMO on Ramsden Street, Barrow-in-Furness — arranged across three floors with spacious, well-proportioned rooms and modern bathroom facilities throughout. With a GDV of £270,000, £49,078.75 remaining in the deal post-refinance and £18,036 annual net income, this is a strong cash-flowing asset in one of the North West’s most in-demand HMO markets. Managed entirely remotely — no site visits required.
✓ No site visits needed ✓ Tenant fill support ✓ Maintenance support ✓ 6 bedroom HMO ✓ Design & Build ✓ Licensed HMO
Why invest in Barrow-in-Furness
BAE Systems shipyard — 8,500+ direct jobs and rising, building the Dreadnought-class submarine fleet. It’s the single largest employer in Cumbria and the anchor of Barrow’s rental demand for decades to come.
Multi-billion pound town investment. The Dreadnought programme alone represents over £15bn of committed spend, alongside town centre regeneration backed by Barrow’s Town Deal funding.
Constant contractor & skilled-worker demand. Thousands of engineers, tradespeople and contractors relocate to Barrow for shipyard work, creating deep, reliable demand for quality HMO rooms.
Furness College & apprenticeship pipeline feeds a steady stream of trainees and young professionals into the local rental market alongside established employers Kimberly-Clark and Robert McBride.
Low entry prices, strong yields. Barrow remains one of the most affordable HMO markets in the North West, giving investors high gross yields relative to purchase price.
Gateway to the Lake District and close to Sellafield, giving the town a broader base of professional tenants beyond the shipyard alone.
Rental income breakdown
| Monthly room rents (per room) | |
| Room 1 | £693 / mo |
| Room 2 | £650 / mo |
| Room 3 | £606 / mo |
| Room 4 | £606 / mo |
| Room 5 | £585 / mo |
| Room 6 | £585 / mo |
| Total monthly gross | £3,725 |
| Total annual gross | £44,700 |
Investment summary
BRRR refinance releases £123,750 — recovering the majority of your initial capital. Full GDV, LTV and cost breakdown available in the financial pack.
£18,036 net income per year — £1,503/month after mortgage (5.5%), management fee, maintenance/other expenses and insurance. Full monthly breakdown in the financial pack.
£7,103.25 property uplift value on a GDV of £270,000 — providing both income and capital growth from day one.
Reserve with a commitment fee to secure this property. The commitment fee ensures this deal is reserved for you.
BRRR refinance strategy
How your capital comes back
GDV
£270,000
→
New mortgage @ 80% LTV
£216,000
→
Funds released
£123,750
→
Cash left in deal
£49,078.75
After refinancing, approximately £123,750 is released against a Max New Mortgage of £216,000 (80% LTV) — recovering the majority of your initial capital. Your long-term commitment drops to £49,078.75, on which you earn £18,036/yr net — a 36.75% net ROI.
Full cost breakdown
Purchase price · Build costs · All fees · Total project cost
Purchase price£123,000
Refurbishment & development (incl. VAT)£90,279
Furniture pack (incl. VAT)£14,784
Sourcing, design & PM setup fees (incl. VAT)£16,762.50
Stamp duty (SDLT)£6,150
Bridging 6-month interest£5,258.25
Bridging arrangement fees£1,845
Solicitor & professional fees (initial + refinance)£6,000
Project hold costs£1,000
Total project cost (incl. bridging)£265,078.75
Free 30-minute investor call
Ready to talk numbers?
Book a call and we’ll walk you through the complete financial breakdown — purchase price, build costs, refinance strategy and projected returns. No obligation.
or choose any available slot
View all available times →Floor plans
Tap any plan to enlarge
Ground Floor
First Floor
Second Floor
Floor plans are indicative and for illustrative purposes only. Final layout may vary subject to survey and planning. All room dimensions confirmed on request.
Get the full financial pack
Submit your details and we’ll send you the complete breakdown — purchase price, build costs, refinance figures and projected returns for Ramsden Street.
Pack on its way!
We’ll be in touch within a few hours with the full financial pack for Ramsden Street, Barrow-in-Furness. Check your spam folder if it doesn’t arrive.
What happens next
Financial pack sent to your inbox
One of our advisors will call you within 24 hrs
Prefer to talk now? Book a 30-min call →
✓ Full purchase & build cost breakdown
✓ Refinance strategy & funds-released figures
✓ Projected net income after all costs
✓ ROI calculation with full assumptions
How it works — invest from anywhere
1
Submit your details or book a call
Get the full financial pack by email, or speak directly with our team on a free 30-min call to walk through every number.
2
Reserve with a commitment fee
Secure the property with a commitment fee, which ensures this deal is reserved for you.
3
We design, build & update you
Our team manages the full design and build. You receive regular photo and video updates throughout the project.
4
Tenants in, income starts, capital returns
Our tenant fill support team onboard rooms. Once occupied, rental income begins and the BRRR refinance returns the majority of your capital.
Figures are indicative and subject to final survey, lender terms and legal due diligence. All costs include VAT at the appropriate rate. Capital is at risk. This page is for information purposes only and does not constitute financial advice. HMO Designs Ltd · www.hmodesigns.co.uk