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Block of Apartments · 9 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 521% above the area median. Offers anchored to area median of £160,000.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | FORTY BUILDERS LTD | 07817 269005 | — |
| decorator | Tor Decorators Cardiff | 07776 006790 | — |
| photographer | ZEE Boryczewski Wedding Photographer Cardiff, South Wales, UK | 09435573444 | — |
Property Details
- Asking Price
- £995,000
- Property Type
- Block of Apartments
- Bedrooms
- 9
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 500–600 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
⚠️ No comparable sales found matching 8-10 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 0 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 4 | — | — | — | — |
| Sector sale 4 | Flat | 1 | — | — | — | — |
| Sector sale 5 | Flat | 2 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
| Sector sale 8 | Flat | 2 | — | — | — | — |
| Sector sale 9 | Flat | 2 | — | — | — | — |
| Sector sale 10 | Flat | 0 | — | — | — | — |
■ 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 estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 69 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £3,103 |
| ICR (actual) | 2.25x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £995,000 |
| Deposit (25% — 75% LTV) | £248,750 |
| SDLT (additional property, 5% surcharge) | £93,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £344,749 |
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 | £995,000 | Loan (75% LTV) | £746,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £3,420 |
| Rent needed (1.5×) | £5,130/mo | Estimated rent | £3,317/mo |
| Stress ratio | 0.97× (need ≥ 1.5×) £1813 shortfall | ||
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 |
| Cash left in deal | Unknown |
| SA gross/mo | £1,439 |
| SA net/mo | £1,116 |
| BTL est./mo | £6,998 |
| SA vs BTL uplift | £-5,559/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £1,071,506 | +£76,506 | £290,042 | +£41,292 (4.1%) |
| 5 years | £1,125,751 | +£130,751 | £330,455 | +£81,705 (8.2%) |
| 7 years | £1,182,742 | +£187,742 | £372,913 | +£124,163 (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.
Finance This Investment
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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 | £83,978 | £1,024,850 | £60,019 | £22,707 | £52,557 | 15.2% |
| Yr 3 | £88,229 | £1,087,263 | £63,080 | £72,693 | £164,956 | 47.7% |
| Yr 5 | £92,696 | £1,153,478 | £66,296 | £129,032 | £287,510 | 83.1% |
| Yr 10 | £104,877 | £1,337,197 | £75,066 | £299,828 | £642,025 | 185.6% |
| Yr 15 | £118,659 | £1,550,178 | £84,989 | £517,876 | £1,073,054 | 310.3% |
| Yr 20 | £134,251 | £1,797,081 | £96,216 | £789,386 | £1,591,467 | 460.2% |
| Yr 25 | £151,893 | £2,083,309 | £108,918 | £1,121,383 | £2,209,692 | 638.9% |
| Yr 30 | £171,853 | £2,415,126 | £123,289 | £1,521,815 | £2,941,941 | 850.6% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £5,946 | 7.2% | 4.6% | £-215 | -6.2% |
| Conservative | £6,505 | 7.8% | 5.4% | £1,096 | 3.4% |
| Base | £6,995 | 8.4% | 6.0% | £1,890 | 7.7% |
| Optimistic | £7,555 | 9.1% | 6.7% | £2,755 | 12.7% |
| Bull | £8,254 | 10.0% | 7.5% | £3,749 | 19.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.44% |
| Net Yield | ●6.03% |
| Net Annual Income | £59,992 |
| Deductions: void 8% (−£6,718) · mgmt 10% (−£8,398) · maint 10% (−£8,398) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £3,103 |
| Monthly Cashflow (IO) | ●£1,896 |
| Cash-on-Cash Return | ●6.56% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £93,000 |
| SDLT Effective Rate | 9.35% |
| SDLT (Company) | £149,250 |
| Section 24 Extra Tax/yr (higher rate) | £7,463 |
| SPV Annual Saving | £13,728 |
| SPV Breakeven | 4.1 yrs |
| CGT Projected Sale (5yr) | £1,153,478 |
| Less: Purchase Price | −£995,000 |
| Less: Buying Costs (SDLT + legal) | −£95,600 |
| Less: Selling Costs (est. 2.5%) | −£28,837 |
| = CGT Net Gain (5yr) | £34,041 |
| CGT at 24% | £7,450 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £5,946 | 7.2% | 4.6% | £-215 | -6.2% |
| Conservative | £6,505 | 7.8% | 5.4% | £1,096 | 3.4% |
| Base | £6,995 | 8.4% | 6.0% | £1,890 | 7.7% |
| Optimistic | £7,555 | 9.1% | 6.7% | £2,755 | 12.7% |
| Bull | £8,254 | 10.0% | 7.5% | £3,749 | 19.0% |
Run the numbers on this deal
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