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Semi-Detached · 3 bed
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Suggested Offer Range
Already 33% 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
- £230,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 3 | — | — | — | — |
| Sector sale 2 | Semi | 3 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
| Sector sale 4 | Semi | 3 | — | — | — | — |
| Sector sale 5 | Semi | 3 | — | — | — | — |
| Sector sale 6 | Semi | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 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: 80 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £717 |
| ICR (actual) | 1.55x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 111% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £230,000 |
| Deposit (25% — 75% LTV) | £57,500 |
| SDLT (additional property, 5% surcharge) | £13,600 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £74,099 |
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 | £230,000 | Loan (75% LTV) | £172,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £791 |
| Rent needed (1.5×) | £1,186/mo | Estimated rent | £1,115/mo |
| Stress ratio | 1.41× (need ≥ 1.5×) £71 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 | £1,116 |
| SA vs BTL uplift | £-14/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £247,685 | +£17,685 | £66,445 | +£8,945 (3.9%) |
| 5 years | £260,224 | +£30,224 | £75,787 | +£18,287 (8.0%) |
| 7 years | £273,398 | +£43,398 | £85,601 | +£28,101 (12.2%) |
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 | £13,386 | £236,900 | £9,193 | £568 | £7,468 | 9.9% |
| Yr 3 | £14,064 | £251,327 | £9,681 | £2,433 | £23,760 | 31.6% |
| Yr 5 | £14,776 | £266,633 | £10,193 | £5,310 | £41,943 | 55.8% |
| Yr 10 | £16,717 | £309,101 | £11,591 | £17,277 | £96,378 | 128.2% |
| Yr 15 | £18,914 | £358,333 | £13,173 | £36,776 | £165,109 | 219.6% |
| Yr 20 | £21,400 | £415,406 | £14,963 | £64,797 | £250,203 | 332.7% |
| Yr 25 | £24,212 | £481,569 | £16,987 | £102,460 | £354,029 | 470.8% |
| Yr 30 | £27,393 | £558,270 | £19,278 | £151,031 | £479,301 | 637.4% |
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 | 4.9% | 3.0% | £-355 | -12.6% |
| Conservative | £1,037 | 5.4% | 3.6% | £-102 | -1.3% |
| Base | £1,115 | 5.8% | 4.0% | £47 | 3.4% |
| Optimistic | £1,204 | 6.3% | 4.5% | £207 | 8.9% |
| Bull | £1,316 | 6.9% | 5.0% | £388 | 15.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.82% |
| Net Yield | ●4.0% |
| Net Annual Income | £9,189 |
| Deductions: void 8% (−£1,071) · mgmt 10% (−£1,339) · maint 10% (−£1,339) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£49 |
| Cash-on-Cash Return | ●0.75% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £2,416 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £948 | 4.9% | 3.0% | £-355 | -12.6% |
| Conservative | £1,037 | 5.4% | 3.6% | £-102 | -1.3% |
| Base | £1,115 | 5.8% | 4.0% | £47 | 3.4% |
| Optimistic | £1,204 | 6.3% | 4.5% | £207 | 8.9% |
| Bull | £1,316 | 6.9% | 5.0% | £388 | 15.7% |