Rosiland avenue, Bedlington
Ground Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 53.3% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £57,000
- Property Type
- Ground Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 678 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Active — 6/10Behavioural signals: 71 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £178 |
| ICR (actual) | 3.37x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £57,000 |
| Deposit (25% — 75% LTV) | £14,250 |
| SDLT (additional property, 5% surcharge) | £2,850 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £20,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £57,000 | Loan (75% LTV) | £42,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £196 |
| Rent needed (1.5×) | £294/mo | Estimated rent | £599/mo |
| Stress ratio | 3.06× (need ≥ 1.5×) +£305 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 (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £1,025 |
| SA net/mo | £752 |
| BTL est./mo | £599 |
| SA vs BTL uplift | +£426/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £61,383 | +£4,383 | £15,880 | +£1,630 (2.9%) |
| 5 years | £64,490 | +£7,490 | £18,195 | +£3,945 (6.9%) |
| 7 years | £67,755 | +£10,755 | £20,628 | +£6,378 (11.2%) |
Projections: 2.5% pa HPI, 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 | £7,188 | £58,710 | £4,730 | £2,593 | £4,303 | 20.3% |
| Yr 3 | £7,552 | £62,285 | £4,992 | £8,169 | £13,455 | 63.5% |
| Yr 5 | £7,934 | £66,079 | £5,267 | £14,290 | £23,368 | 110.2% |
| Yr 10 | £8,976 | £76,603 | £6,018 | £32,154 | £51,757 | 244.1% |
| Yr 15 | £10,156 | £88,804 | £6,867 | £54,063 | £85,867 | 405.0% |
| Yr 20 | £11,491 | £102,948 | £7,828 | £80,547 | £126,496 | 596.7% |
| Yr 25 | £13,001 | £119,345 | £8,915 | £112,209 | £174,554 | 823.4% |
| Yr 30 | £14,709 | £138,354 | £10,145 | £149,728 | £231,082 | 1090.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — NE22 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £509 | 10.7% | 6.2% | £62 | 0.0% |
| Conservative | £557 | 11.7% | 7.4% | £157 | 8.9% |
| Base | £599 | 12.6% | 8.3% | £216 | 12.7% |
| Optimistic | £647 | 13.6% | 9.3% | £281 | 17.1% |
| Bull | £707 | 14.9% | 10.5% | £358 | 22.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.61% |
| Net Yield | ●8.3% |
| Net Annual Income | £4,730 |
| Deductions: void 8% (−£575) · mgmt 10% (−£719) · maint 10% (−£719) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £178 |
| Monthly Cashflow (IO) | ●£216 |
| Cash-on-Cash Return | ●12.23% |
| 5-Year IRR | ●12.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,850 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,850 |
| Section 24 Extra Tax/yr (higher rate) | £428 |
| SPV Annual Saving | £1,225 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £66,079 |
| Less: Purchase Price | −£57,000 |
| Less: Buying Costs (SDLT + legal) | −£5,450 |
| Less: Selling Costs (est. 2.5%) | −£1,652 |
| = CGT Net Gain (5yr) | £1,977 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £509 | 10.7% | 6.2% | £62 | 0.0% |
| Conservative | £557 | 11.7% | 7.4% | £157 | 8.9% |
| Base | £599 | 12.6% | 8.3% | £216 | 12.7% |
| Optimistic | £647 | 13.6% | 9.3% | £281 | 17.1% |
| Bull | £707 | 14.9% | 10.5% | £358 | 22.7% |