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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 53% below the area median — 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
- £280,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 2-4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 4 | — | — | — | — |
■ Above subject ■ Below subject
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 112 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £873 |
| ICR (actual) | 1.28x |
| Feasibility | REFER |
| Notes: Rental coverage 91% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £280,000 |
| Deposit (25% — 75% LTV) | £70,000 |
| SDLT (additional property, 5% surcharge) | £18,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £90,999 |
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 | £280,000 | Loan (75% LTV) | £210,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £962 |
| Rent needed (1.5×) | £1,444/mo | Estimated rent | £1,115/mo |
| Stress ratio | 1.16× (need ≥ 1.5×) £329 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 | £1,102 |
| SA net/mo | £820 |
| BTL est./mo | £1,115 |
| SA vs BTL uplift | £-13/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £301,529 | +£21,529 | £81,059 | +£11,059 (3.9%) |
| 5 years | £316,794 | +£36,794 | £92,432 | +£22,432 (8.0%) |
| 7 years | £332,832 | +£52,832 | £104,380 | +£34,380 (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 | £13,384 | £288,400 | £9,191 | £-1,309 | £7,091 | 7.7% |
| Yr 3 | £14,062 | £305,964 | £9,679 | £-3,197 | £22,767 | 24.7% |
| Yr 5 | £14,773 | £324,597 | £10,192 | £-4,072 | £40,524 | 44.0% |
| Yr 10 | £16,715 | £376,297 | £11,590 | £-1,489 | £94,808 | 102.9% |
| Yr 15 | £18,911 | £436,231 | £13,171 | £8,626 | £164,857 | 179.0% |
| Yr 20 | £21,396 | £505,711 | £14,960 | £27,261 | £252,972 | 274.7% |
| Yr 25 | £24,208 | £586,258 | £16,985 | £55,536 | £361,793 | 392.8% |
| Yr 30 | £27,389 | £679,633 | £19,275 | £94,718 | £494,351 | 536.8% |
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 | £948 | 4.1% | 2.5% | £-559 | -15.4% |
| Conservative | £1,037 | 4.4% | 3.0% | £-274 | -3.7% |
| Base | £1,115 | 4.8% | 3.3% | £-109 | 1.2% |
| Optimistic | £1,204 | 5.2% | 3.7% | £67 | 6.8% |
| Bull | £1,316 | 5.6% | 4.1% | £263 | 13.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.78% |
| Net Yield | ●3.28% |
| Net Annual Income | £9,189 |
| Deductions: void 8% (−£1,071) · mgmt 10% (−£1,338) · maint 10% (−£1,338) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £873 |
| Monthly Cashflow (IO) | ●£-107 |
| Cash-on-Cash Return | ●-1.42% |
| 5-Year IRR | ●1.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £2,182 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £948 | 4.1% | 2.5% | £-559 | -15.4% |
| Conservative | £1,037 | 4.4% | 3.0% | £-274 | -3.7% |
| Base | £1,115 | 4.8% | 3.3% | £-109 | 1.2% |
| Optimistic | £1,204 | 5.2% | 3.7% | £67 | 6.8% |
| Bull | £1,316 | 5.6% | 4.1% | £263 | 13.8% |
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