Mollyfair Close, Crawcrook
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 41.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £57,500
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 603 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 281 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £179 |
| ICR (actual) | 3.22x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £57,500 |
| Deposit (25% — 75% LTV) | £14,375 |
| SDLT (additional property, 5% surcharge) | £2,875 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £20,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £57,500 | Loan (75% LTV) | £43,125 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £198 |
| Rent needed (1.5×) | £296/mo | Estimated rent | £577/mo |
| Stress ratio | 2.92× (need ≥ 1.5×) +£281 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 | £970 |
| SA net/mo | £704 |
| BTL est./mo | £577 |
| SA vs BTL uplift | +£393/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £61,921 | +£4,421 | £16,026 | +£1,651 (2.9%) |
| 5 years | £65,056 | +£7,556 | £18,362 | +£3,987 (6.9%) |
| 7 years | £68,349 | +£10,849 | £20,815 | +£6,440 (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 | £6,923 | £59,225 | £4,540 | £2,383 | £4,108 | 19.2% |
| Yr 3 | £7,273 | £62,832 | £4,792 | £7,527 | £12,859 | 60.2% |
| Yr 5 | £7,642 | £66,658 | £5,057 | £13,194 | £22,352 | 104.7% |
| Yr 10 | £8,646 | £77,275 | £5,780 | £29,831 | £49,607 | 232.3% |
| Yr 15 | £9,782 | £89,583 | £6,598 | £50,364 | £82,447 | 386.2% |
| Yr 20 | £11,067 | £103,851 | £7,524 | £75,304 | £121,655 | 569.8% |
| Yr 25 | £12,522 | £120,392 | £8,571 | £105,230 | £168,122 | 787.5% |
| Yr 30 | £14,167 | £139,568 | £9,755 | £140,798 | £222,866 | 1043.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — NE40 3 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £490 | 10.2% | 5.9% | £48 | -1.3% |
| Conservative | £537 | 11.2% | 7.1% | £141 | 7.9% |
| Base | £577 | 12.0% | 7.9% | £199 | 11.7% |
| Optimistic | £623 | 13.0% | 8.8% | £262 | 16.1% |
| Bull | £681 | 14.2% | 10.0% | £337 | 21.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.04% |
| Net Yield | ●7.9% |
| Net Annual Income | £4,540 |
| Deductions: void 8% (−£554) · mgmt 10% (−£692) · maint 10% (−£692) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £179 |
| Monthly Cashflow (IO) | ●£199 |
| Cash-on-Cash Return | ●11.17% |
| 5-Year IRR | ●11.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,875 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,875 |
| Section 24 Extra Tax/yr (higher rate) | £431 |
| SPV Annual Saving | £1,188 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £66,658 |
| Less: Purchase Price | −£57,500 |
| Less: Buying Costs (SDLT + legal) | −£5,475 |
| Less: Selling Costs (est. 2.5%) | −£1,666 |
| = CGT Net Gain (5yr) | £2,017 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £490 | 10.2% | 5.9% | £48 | -1.3% |
| Conservative | £537 | 11.2% | 7.1% | £141 | 7.9% |
| Base | £577 | 12.0% | 7.9% | £199 | 11.7% |
| Optimistic | £623 | 13.0% | 8.8% | £262 | 16.1% |
| Bull | £681 | 14.2% | 10.0% | £337 | 21.8% |