Wordsworth Road, Hampton
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 28.3% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £649,950
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1270 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 5.1% price cutBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £2,027 |
| ICR (actual) | 1.89x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 135% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £649,950 |
| Deposit (25% — 75% LTV) | £162,487 |
| SDLT (additional property, 5% surcharge) | £54,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £220,481 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £649,950 | Loan (75% LTV) | £487,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,234 |
| Rent needed (1.5×) | £3,351/mo | Estimated rent | £3,835/mo |
| Stress ratio | 1.72× (need ≥ 1.5×) +£484 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £2,317 |
| SA net/mo | £1,889 |
| BTL est./mo | £3,835 |
| SA vs BTL uplift | £-1,518/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £699,925 | +£49,975 | £189,190 | +£26,702 (4.1%) |
| 5 years | £735,359 | +£85,409 | £215,588 | +£53,100 (8.2%) |
| 7 years | £772,586 | +£122,636 | £243,322 | +£80,835 (12.4%) |
Projections: 2.5% pa HPI, 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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Location
Comparable Sales in TW12 2
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 85, HOLLY BUSH LANE, TW12 2QY | Semi | 4 | £795,000 | £600 | 23/02/26 | 0.89 mi |
| 27, CLEVELAND AVENUE, TW12 2RD | Semi | 4 | £665,000 | £524 | 20/02/26 | 0.83 mi |
| 16, TUDOR AVENUE, TW12 2NA | Semi | 4 | £1,375,000 | £829 | 13/02/26 | 0.80 mi |
| 32, LAWRENCE ROAD, TW12 2RJ | Semi | 4 | £790,000 | £521 | 05/09/25 | 0.96 mi |
■ Above subject ■ Below subject
Based on 4 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £46,016 | £669,448 | £32,687 | £8,314 | £27,812 | 12.6% |
| Yr 3 | £48,346 | £710,218 | £34,364 | £27,447 | £87,715 | 39.6% |
| Yr 5 | £50,794 | £753,470 | £36,126 | £50,061 | £153,581 | 69.3% |
| Yr 10 | £57,468 | £873,478 | £40,932 | £123,008 | £346,536 | 156.4% |
| Yr 15 | £65,020 | £1,012,601 | £46,369 | £221,846 | £584,497 | 263.8% |
| Yr 20 | £73,564 | £1,173,882 | £52,521 | £349,979 | £873,911 | 394.4% |
| Yr 25 | £83,231 | £1,360,851 | £59,481 | £511,257 | £1,222,158 | 551.6% |
| Yr 30 | £94,168 | £1,577,599 | £67,356 | £710,034 | £1,637,683 | 739.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
🌎 Area Profile — TW12 2 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,260 | 6.0% | 3.8% | £-559 | -9.5% |
| Conservative | £3,567 | 6.6% | 4.5% | £225 | 0.9% |
| Base | £3,835 | 7.1% | 5.0% | £693 | 5.4% |
| Optimistic | £4,142 | 7.6% | 5.6% | £1,200 | 10.6% |
| Bull | £4,525 | 8.4% | 6.3% | £1,777 | 17.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.08% |
| Net Yield | ●5.03% |
| Net Annual Income | £32,689 |
| Deductions: void 8% (−£3,681) · mgmt 10% (−£4,602) · maint 10% (−£4,602) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,027 |
| Monthly Cashflow (IO) | ●£697 |
| Cash-on-Cash Return | ●3.75% |
| 5-Year IRR | ●5.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £54,995 |
| SDLT Effective Rate | 8.46% |
| SDLT (Company) | £97,492 |
| Section 24 Extra Tax/yr (higher rate) | £4,875 |
| SPV Annual Saving | £7,773 |
| SPV Breakeven | 5.5 yrs |
| CGT Projected Sale (5yr) | £753,470 |
| Less: Purchase Price | −£649,950 |
| Less: Buying Costs (SDLT + legal) | −£57,595 |
| Less: Selling Costs (est. 2.5%) | −£18,837 |
| = CGT Net Gain (5yr) | £27,088 |
| CGT at 24% | £5,781 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,260 | 6.0% | 3.8% | £-559 | -9.5% |
| Conservative | £3,567 | 6.6% | 4.5% | £225 | 0.9% |
| Base | £3,835 | 7.1% | 5.0% | £693 | 5.4% |
| Optimistic | £4,142 | 7.6% | 5.6% | £1,200 | 10.6% |
| Bull | £4,525 | 8.4% | 6.3% | £1,777 | 17.1% |