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Semi-Detached · 4 bed
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Suggested Offer Range
Already 34% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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 | Lynch Renovation and Construction | 07304 063002 | — |
| decorator | Decorators in Leeds With Excellent Reviews | Free Quote ... | 0113 808 1192 | — |
Property Details
- Asking Price
- £270,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 4 | — | — | — | — |
| Sector sale 2 | Semi | 4 | — | — | — | — |
| Sector sale 3 | Semi | 4 | — | — | — | — |
| Sector sale 4 | Semi | 4 | — | — | — | — |
■ 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.
Location
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 290 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £842 |
| ICR (actual) | 1.99x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 142% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £270,000 |
| Deposit (25% — 75% LTV) | £67,500 |
| SDLT (additional property, 5% surcharge) | £17,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £87,499 |
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 | £270,000 | Loan (75% LTV) | £202,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £928 |
| Rent needed (1.5×) | £1,392/mo | Estimated rent | £1,672/mo |
| Stress ratio | 1.8× (need ≥ 1.5×) +£280 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 |
| Cash left in deal | Unknown |
| SA gross/mo | £1,269 |
| SA net/mo | £967 |
| BTL est./mo | £1,672 |
| SA vs BTL uplift | £-403/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £290,760 | +£20,760 | £78,137 | +£10,637 (3.9%) |
| 5 years | £305,480 | +£35,480 | £89,103 | +£21,603 (8.0%) |
| 7 years | £320,945 | +£50,945 | £100,624 | +£33,124 (12.3%) |
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 | £20,061 | £278,100 | £13,999 | £3,874 | £11,974 | 13.5% |
| Yr 3 | £21,077 | £295,036 | £14,730 | £12,714 | £37,750 | 42.6% |
| Yr 5 | £22,144 | £313,004 | £15,498 | £23,072 | £66,076 | 74.6% |
| Yr 10 | £25,053 | £362,857 | £17,593 | £56,121 | £148,978 | 168.1% |
| Yr 15 | £28,346 | £420,651 | £19,964 | £100,457 | £251,109 | 283.4% |
| Yr 20 | £32,071 | £487,650 | £22,646 | £157,565 | £375,215 | 423.5% |
| Yr 25 | £36,285 | £565,320 | £25,680 | £229,122 | £524,442 | 591.9% |
| Yr 30 | £41,053 | £655,361 | £29,113 | £317,027 | £702,388 | 792.8% |
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 — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,421 | 6.3% | 3.9% | £-210 | -8.2% |
| Conservative | £1,555 | 6.9% | 4.7% | £123 | 2.3% |
| Base | £1,672 | 7.4% | 5.2% | £323 | 6.8% |
| Optimistic | £1,806 | 8.0% | 5.8% | £540 | 12.0% |
| Bull | £1,973 | 8.8% | 6.5% | £787 | 18.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.43% |
| Net Yield | ●5.19% |
| Net Annual Income | £14,001 |
| Deductions: void 8% (−£1,605) · mgmt 10% (−£2,006) · maint 10% (−£2,006) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£325 |
| Cash-on-Cash Return | ●4.37% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £3,426 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,421 | 6.3% | 3.9% | £-210 | -8.2% |
| Conservative | £1,555 | 6.9% | 4.7% | £123 | 2.3% |
| Base | £1,672 | 7.4% | 5.2% | £323 | 6.8% |
| Optimistic | £1,806 | 8.0% | 5.8% | £540 | 12.0% |
| Bull | £1,973 | 8.8% | 6.5% | £787 | 18.5% |