Henley Road, Sandford-on-Thames
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 27.3% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £600,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1152 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 — 4/10Behavioural signals: 130 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,871 |
| ICR (actual) | 1.52x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 108% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £600,000 |
| Deposit (25% — 75% LTV) | £150,000 |
| SDLT (additional property, 5% surcharge) | £50,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £202,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £600,000 | Loan (75% LTV) | £450,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,062 |
| Rent needed (1.5×) | £3,094/mo | Estimated rent | £2,838/mo |
| Stress ratio | 1.38× (need ≥ 1.5×) £256 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 (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 | £2,060 |
| SA net/mo | £1,663 |
| BTL est./mo | £2,840 |
| SA vs BTL uplift | £-780/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £646,134 | +£46,134 | £174,590 | +£24,590 (4.1%) |
| 5 years | £678,845 | +£78,845 | £198,959 | +£48,959 (8.2%) |
| 7 years | £713,211 | +£113,211 | £224,563 | +£74,563 (12.4%) |
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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Location
Comparable Sales in OX4 1
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 2, BEDFORD STREET, OX4 1SU | Semi | 4 | £780,000 | £589 | 20/02/26 | 2.14 mi |
| 22, HURST STREET, OX4 1HB | Semi | 4 | £775,000 | £585 | 03/10/25 | 2.53 mi |
| 160, DIVINITY ROAD, OX4 1LR | Semi | 4 | £980,000 | £595 | 28/08/25 | 2.68 mi |
| 137, HURST STREET, OX4 1HE | Semi | 4 | £767,000 | £488 | 15/08/25 | 2.33 mi |
■ 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 not available from Land Registry records. Comparables are matched by postcode sector and property type only.
📈 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 | £34,080 | £618,000 | £24,093 | £1,593 | £19,593 | 9.6% |
| Yr 3 | £35,805 | £655,636 | £25,335 | £6,633 | £62,270 | 30.5% |
| Yr 5 | £37,618 | £695,564 | £26,640 | £14,253 | £109,817 | 53.8% |
| Yr 10 | £42,561 | £806,350 | £30,199 | £45,454 | £251,804 | 123.4% |
| Yr 15 | £48,154 | £934,780 | £34,226 | £95,831 | £430,612 | 211.0% |
| Yr 20 | £54,482 | £1,083,667 | £38,782 | £167,905 | £651,571 | 319.2% |
| Yr 25 | £61,641 | £1,256,267 | £43,937 | £264,525 | £920,791 | 451.1% |
| Yr 30 | £69,742 | £1,456,357 | £49,769 | £388,917 | £1,245,274 | 610.1% |
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)
🌎 Area Profile — OX4 1 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,412 | 4.8% | 3.1% | £-907 | -13.2% |
| Conservative | £2,639 | 5.3% | 3.6% | £-252 | -2.2% |
| Base | £2,838 | 5.7% | 4.0% | £131 | 2.6% |
| Optimistic | £3,065 | 6.1% | 4.5% | £544 | 7.9% |
| Bull | £3,349 | 6.7% | 5.0% | £1,008 | 14.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.68% |
| Net Yield | ●4.01% |
| Net Annual Income | £24,075 |
| Deductions: void 8% (−£2,726) · mgmt 10% (−£3,408) · maint 10% (−£3,408) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,871 |
| Monthly Cashflow (IO) | ●£135 |
| Cash-on-Cash Return | ●0.77% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £50,000 |
| SDLT Effective Rate | 8.33% |
| SDLT (Company) | £90,000 |
| Section 24 Extra Tax/yr (higher rate) | £4,500 |
| SPV Annual Saving | £6,004 |
| SPV Breakeven | 6.7 yrs |
| CGT Projected Sale (5yr) | £695,564 |
| Less: Purchase Price | −£600,000 |
| Less: Buying Costs (SDLT + legal) | −£52,600 |
| Less: Selling Costs (est. 2.5%) | −£17,389 |
| = CGT Net Gain (5yr) | £25,575 |
| CGT at 24% | £5,418 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,412 | 4.8% | 3.1% | £-907 | -13.2% |
| Conservative | £2,639 | 5.3% | 3.6% | £-252 | -2.2% |
| Base | £2,838 | 5.7% | 4.0% | £131 | 2.6% |
| Optimistic | £3,065 | 6.1% | 4.5% | £544 | 7.9% |
| Bull | £3,349 | 6.7% | 5.0% | £1,008 | 14.7% |