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House · 5 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,050 |
| Bathroom | £1,500 |
| Living Room | £900 |
| Hallway / Stairs | £350 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| Bedroom 5 | £400 |
| Total Estimated Refurb | £5,750 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
Property Details
- Asking Price
- £389,995
- Property Type
- House
- Bedrooms
- 5
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
⚠️ Only 1 comparable sale(s) matched 5 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 2 | — | — | — | — |
| Sector sale 2 | Detached | 5 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Semi | 2 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
| Sector sale 8 | Terraced | 1 | — | — | — | — |
| Sector sale 9 | Terraced | 2 | — | — | — | — |
| Sector sale 10 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 79 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,216 |
| ICR (actual) | 2.14x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £389,995 |
| Deposit (25% — 75% LTV) | £97,498 |
| SDLT (additional property, 5% surcharge) | £29,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £129,497 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £389,995 | Loan (75% LTV) | £292,496 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,341 |
| Rent needed (1.5×) | £2,011/mo | Estimated rent | £2,600/mo |
| Stress ratio | 1.94× (need ≥ 1.5×) +£589 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 (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £448,494 |
| 75% remortgage | £336,371 |
| Cash left in deal | £59,374 (42% recycled) |
| Est. BTL cashflow | +£288/mo |
| Gross margin | £-4,995 |
| Reno cost (est.) | –£5,750 |
| Buy + sell costs | –£38,375 |
| Net profit | £-49,120 (-47.6% ROI) |
| SA gross/mo | £2,407 |
| SA net/mo | £1,968 |
| BTL est./mo | £2,600 |
| SA vs BTL uplift | £-193/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £419,982 | +£29,987 | £113,209 | +£15,710 (4.0%) |
| 5 years | £441,244 | +£51,249 | £129,049 | +£31,550 (8.1%) |
| 7 years | £463,582 | +£73,587 | £145,691 | +£48,192 (12.4%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 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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📈 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 | £31,200 | £401,695 | £22,019 | £7,394 | £19,094 | 14.6% |
| Yr 3 | £32,779 | £426,158 | £23,156 | £23,881 | £60,044 | 46.0% |
| Yr 5 | £34,439 | £452,111 | £24,351 | £42,728 | £104,844 | 80.3% |
| Yr 10 | £38,964 | £524,121 | £27,609 | £100,971 | £235,097 | 180.0% |
| Yr 15 | £44,084 | £607,600 | £31,296 | £176,770 | £394,375 | 302.0% |
| Yr 20 | £49,877 | £704,374 | £35,467 | £272,432 | £586,811 | 449.3% |
| Yr 25 | £56,432 | £816,563 | £40,186 | £390,565 | £817,133 | 625.7% |
| Yr 30 | £63,847 | £946,620 | £45,525 | £534,123 | £1,090,749 | 835.2% |
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)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,210 | 6.8% | 4.3% | £-185 | -6.9% |
| Conservative | £2,418 | 7.4% | 5.1% | £315 | 3.2% |
| Base | £2,600 | 8.0% | 5.6% | £616 | 7.6% |
| Optimistic | £2,808 | 8.6% | 6.3% | £944 | 12.7% |
| Bull | £3,068 | 9.4% | 7.1% | £1,320 | 19.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.0% |
| Net Yield | ●5.65% |
| Net Annual Income | £22,019 |
| Deductions: void 8% (−£2,496) · mgmt 10% (−£3,120) · maint 10% (−£3,120) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,216 |
| Monthly Cashflow (IO) | ●£619 |
| Cash-on-Cash Return | ●5.66% |
| 5-Year IRR | ●7.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £29,000 |
| SDLT Effective Rate | 7.44% |
| SDLT (Company) | £29,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,925 |
| SPV Annual Saving | £5,210 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £452,111 |
| Less: Purchase Price | −£389,995 |
| Less: Buying Costs (SDLT + legal) | −£31,600 |
| Less: Selling Costs (est. 2.5%) | −£11,303 |
| = CGT Net Gain (5yr) | £19,213 |
| CGT at 24% | £3,891 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,210 | 6.8% | 4.3% | £-185 | -6.9% |
| Conservative | £2,418 | 7.4% | 5.1% | £315 | 3.2% |
| Base | £2,600 | 8.0% | 5.6% | £616 | 7.6% |
| Optimistic | £2,808 | 8.6% | 6.3% | £944 | 12.7% |
| Bull | £3,068 | 9.4% | 7.1% | £1,320 | 19.1% |