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Semi-Detached · 7 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 | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| Bedroom 6 | £300 |
| Bedroom 7 | £300 |
| 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.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Elite Building Services | Builders Cambridge | 07482 007 555 | — |
| decorator | Giuseppe Piran: Painters and Decorators Cambridge | 01954 201167 | — |
| photographer | Elodie Giuge Photography | 07944 399893 | — |
Property Details
- Asking Price
- £775,995
- Property Type
- Semi-Detached
- Bedrooms
- 7
- Bathrooms
- N/A
- Floor Area
- 2,000–2,100 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 6-8-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 7 | — | — | — | — |
| Sector sale 2 | Semi | 6 | — | — | — | — |
| Sector sale 3 | Semi | 6 | — | — | — | — |
| Sector sale 4 | Semi | 6 | — | — | — | — |
| Sector sale 5 | Semi | 6 | — | — | — | — |
| Sector sale 6 | Semi | 7 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 42.1% (threshold: 40%). Comparable prices in this sector vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 109 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £2,420 |
| ICR (actual) | 2.2x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £775,995 |
| Deposit (25% — 75% LTV) | £193,998 |
| SDLT (additional property, 5% surcharge) | £67,600 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £264,597 |
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 | £775,995 | Loan (75% LTV) | £581,996 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,667 |
| Rent needed (1.5×) | £4,001/mo | Estimated rent | £5,330/mo |
| Stress ratio | 2.0× (need ≥ 1.5×) +£1329 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) | £892,394 |
| 75% remortgage | £669,296 |
| Cash left in deal | £112,449 (44% recycled) |
| Est. BTL cashflow | +£675/mo |
| Gross margin | £-110,995 |
| Reno cost (est.) | –£5,750 |
| Buy + sell costs | –£81,175 |
| Net profit | £-197,920 (-99.1% ROI) |
| SA gross/mo | £2,398 |
| SA net/mo | £1,960 |
| BTL est./mo | £5,328 |
| SA vs BTL uplift | £-2,930/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £835,662 | +£59,667 | £226,031 | +£32,032 (4.1%) |
| 5 years | £877,967 | +£101,972 | £257,548 | +£63,549 (8.2%) |
| 7 years | £922,414 | +£146,419 | £290,661 | +£96,662 (12.5%) |
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 | £63,942 | £799,275 | £45,593 | £16,493 | £39,773 | 15.0% |
| Yr 3 | £67,179 | £847,951 | £47,924 | £52,962 | £124,918 | 47.0% |
| Yr 5 | £70,580 | £899,591 | £50,373 | £94,268 | £217,864 | 82.0% |
| Yr 10 | £79,855 | £1,042,872 | £57,050 | £220,336 | £487,213 | 183.4% |
| Yr 15 | £90,348 | £1,208,975 | £64,606 | £382,382 | £815,362 | 306.9% |
| Yr 20 | £102,221 | £1,401,533 | £73,154 | £585,135 | £1,210,673 | 455.7% |
| Yr 25 | £115,654 | £1,624,761 | £82,826 | £833,943 | £1,682,709 | 633.3% |
| Yr 30 | £130,851 | £1,883,544 | £93,768 | £1,134,858 | £2,242,407 | 844.0% |
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 | £4,530 | 7.0% | 4.5% | £-245 | -6.5% |
| Conservative | £4,957 | 7.7% | 5.3% | £765 | 3.3% |
| Base | £5,330 | 8.2% | 5.9% | £1,376 | 7.7% |
| Optimistic | £5,756 | 8.9% | 6.5% | £2,040 | 12.7% |
| Bull | £6,289 | 9.7% | 7.3% | £2,803 | 19.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.24% |
| Net Yield | ●5.88% |
| Net Annual Income | £45,606 |
| Deductions: void 8% (−£5,115) · mgmt 10% (−£6,394) · maint 10% (−£6,394) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,420 |
| Monthly Cashflow (IO) | ●£1,380 |
| Cash-on-Cash Return | ●6.21% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £67,600 |
| SDLT Effective Rate | 8.71% |
| SDLT (Company) | £116,399 |
| Section 24 Extra Tax/yr (higher rate) | £5,820 |
| SPV Annual Saving | £10,520 |
| SPV Breakeven | 4.6 yrs |
| CGT Projected Sale (5yr) | £899,591 |
| Less: Purchase Price | −£775,995 |
| Less: Buying Costs (SDLT + legal) | −£70,200 |
| Less: Selling Costs (est. 2.5%) | −£22,490 |
| = CGT Net Gain (5yr) | £30,906 |
| CGT at 24% | £6,697 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £4,530 | 7.0% | 4.5% | £-245 | -6.5% |
| Conservative | £4,957 | 7.7% | 5.3% | £765 | 3.3% |
| Base | £5,330 | 8.2% | 5.9% | £1,376 | 7.7% |
| Optimistic | £5,756 | 8.9% | 6.5% | £2,040 | 12.7% |
| Bull | £6,289 | 9.7% | 7.3% | £2,803 | 19.0% |
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