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Terraced · 4 bed
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Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 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
- £299,950
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 3-5-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 4 | — | — | — | — |
| Sector sale 2 | Terraced | 4 | — | — | — | — |
| Sector sale 3 | Terraced | 5 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 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: 74 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £935 |
| ICR (actual) | 1.79x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 128% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £299,950 |
| Deposit (25% — 75% LTV) | £74,987 |
| SDLT (additional property, 5% surcharge) | £19,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £97,981 |
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 | £299,950 | Loan (75% LTV) | £224,962 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,031 |
| Rent needed (1.5×) | £1,547/mo | Estimated rent | £1,672/mo |
| Stress ratio | 1.62× (need ≥ 1.5×) +£125 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 | £1,437 |
| SA net/mo | £1,115 |
| BTL est./mo | £1,672 |
| SA vs BTL uplift | £-235/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £323,013 | +£23,063 | £86,890 | +£11,903 (4.0%) |
| 5 years | £339,366 | +£39,416 | £99,073 | +£24,086 (8.0%) |
| 7 years | £356,546 | +£56,596 | £111,872 | +£36,885 (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 | £20,067 | £308,948 | £14,003 | £2,755 | £11,753 | 11.9% |
| Yr 3 | £21,083 | £327,763 | £14,734 | £9,357 | £37,171 | 37.5% |
| Yr 5 | £22,150 | £347,724 | £15,503 | £17,478 | £65,252 | 65.9% |
| Yr 10 | £25,061 | £403,108 | £17,599 | £44,935 | £148,093 | 149.5% |
| Yr 15 | £28,354 | £467,312 | £19,970 | £83,683 | £251,046 | 253.4% |
| Yr 20 | £32,080 | £541,743 | £22,652 | £135,206 | £377,000 | 380.5% |
| Yr 25 | £36,295 | £628,029 | £25,687 | £201,183 | £529,262 | 534.2% |
| Yr 30 | £41,065 | £728,057 | £29,121 | £283,512 | £711,620 | 718.2% |
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 — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,421 | 5.7% | 3.5% | £-332 | -10.2% |
| Conservative | £1,555 | 6.2% | 4.2% | £20 | 0.5% |
| Base | £1,672 | 6.7% | 4.7% | £229 | 5.1% |
| Optimistic | £1,806 | 7.2% | 5.2% | £456 | 10.4% |
| Bull | £1,973 | 7.9% | 5.9% | £712 | 17.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●6.69% |
| Net Yield | ●4.67% |
| Net Annual Income | £14,001 |
| Deductions: void 8% (−£1,605) · mgmt 10% (−£2,007) · maint 10% (−£2,007) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £935 |
| Monthly Cashflow (IO) | ●£232 |
| Cash-on-Cash Return | ●2.78% |
| 5-Year IRR | ●5.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,995 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £19,995 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £3,483 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,724 |
| Less: Purchase Price | −£299,950 |
| Less: Buying Costs (SDLT + legal) | −£22,595 |
| Less: Selling Costs (est. 2.5%) | −£8,693 |
| = CGT Net Gain (5yr) | £16,486 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,421 | 5.7% | 3.5% | £-332 | -10.2% |
| Conservative | £1,555 | 6.2% | 4.2% | £20 | 0.5% |
| Base | £1,672 | 6.7% | 4.7% | £229 | 5.1% |
| Optimistic | £1,806 | 7.2% | 5.2% | £456 | 10.4% |
| Bull | £1,973 | 7.9% | 5.9% | £712 | 17.1% |
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