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Block of Apartments · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 282% above the area median. Offers anchored to area median of £140,000.
🔨 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 | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £535,000
- Property Type
- Block of Apartments
- Bedrooms
- 5
- Number of Units
- 5 units
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
⚠️ No comparable sales found matching 4-6 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 3 | — | — | — | — |
| Sector sale 2 | Flat | 3 | — | — | — | — |
| Sector sale 3 | Flat | 2 | — | — | — | — |
| Sector sale 4 | Flat | 2 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
| Sector sale 8 | Flat | 2 | — | — | — | — |
| Sector sale 9 | Flat | 1 | — | — | — | — |
| Sector sale 10 | Flat | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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
Watch — 4/10Behavioural signals: 118 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,669 |
| ICR (actual) | 2.25x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £535,000 |
| Deposit (25% — 75% LTV) | £133,750 |
| SDLT (additional property, 5% surcharge) | £43,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £180,249 |
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 | £535,000 | Loan (75% LTV) | £401,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,839 |
| Rent needed (1.5×) | £2,759/mo | Estimated rent | £1,067/mo |
| Stress ratio | 0.58× (need ≥ 1.5×) £1692 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 | £751 |
| SA net/mo | £511 |
| BTL est./mo | £3,749 |
| SA vs BTL uplift | £-2,998/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £576,136 | +£41,136 | £155,592 | +£21,842 (4.1%) |
| 5 years | £605,303 | +£70,303 | £177,321 | +£43,571 (8.1%) |
| 7 years | £635,947 | +£100,947 | £200,150 | +£66,400 (12.4%) |
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 | £44,994 | £551,050 | £31,950 | £11,888 | £27,938 | 15.4% |
| Yr 3 | £47,271 | £584,609 | £33,590 | £38,113 | £87,722 | 48.4% |
| Yr 5 | £49,664 | £620,212 | £35,313 | £67,743 | £152,955 | 84.3% |
| Yr 10 | £56,191 | £718,995 | £40,012 | £157,862 | £341,857 | 188.5% |
| Yr 15 | £63,575 | £833,513 | £45,329 | £273,298 | £571,811 | 315.3% |
| Yr 20 | £71,929 | £966,270 | £51,344 | £417,377 | £848,647 | 468.0% |
| Yr 25 | £81,381 | £1,120,171 | £58,149 | £593,864 | £1,179,035 | 650.1% |
| Yr 30 | £92,075 | £1,298,585 | £65,849 | £807,017 | £1,570,603 | 866.1% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,188 | 7.1% | 4.6% | £-139 | -5.9% |
| Conservative | £3,488 | 7.8% | 5.4% | £565 | 3.9% |
| Base | £3,750 | 8.4% | 6.0% | £991 | 8.2% |
| Optimistic | £4,050 | 9.1% | 6.6% | £1,455 | 13.2% |
| Bull | £4,425 | 9.9% | 7.5% | £1,988 | 19.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.41% |
| Net Yield | ●5.97% |
| Net Annual Income | £31,955 |
| Deductions: void 8% (−£3,599) · mgmt 10% (−£4,499) · maint 10% (−£4,499) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,669 |
| Monthly Cashflow (IO) | ●£994 |
| Cash-on-Cash Return | ●6.56% |
| 5-Year IRR | ●8.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £43,500 |
| SDLT Effective Rate | 8.13% |
| SDLT (Company) | £80,250 |
| Section 24 Extra Tax/yr (higher rate) | £4,012 |
| SPV Annual Saving | £7,415 |
| SPV Breakeven | 5.0 yrs |
| CGT Projected Sale (5yr) | £620,212 |
| Less: Purchase Price | −£535,000 |
| Less: Buying Costs (SDLT + legal) | −£46,100 |
| Less: Selling Costs (est. 2.5%) | −£15,505 |
| = CGT Net Gain (5yr) | £23,607 |
| CGT at 24% | £4,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,188 | 7.1% | 4.6% | £-139 | -5.9% |
| Conservative | £3,488 | 7.8% | 5.4% | £565 | 3.9% |
| Base | £3,750 | 8.4% | 6.0% | £991 | 8.2% |
| Optimistic | £4,050 | 9.1% | 6.6% | £1,455 | 13.2% |
| Bull | £4,425 | 9.9% | 7.5% | £1,988 | 19.5% |
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