Queen Emmas Dyke, Witney, Oxfordshire
Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 60.0% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £130,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 420 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 3/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £405 |
| ICR (actual) | 2.28x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £130,000 |
| Deposit (25% — 75% LTV) | £32,500 |
| SDLT (additional property, 5% surcharge) | £6,600 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £42,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £130,000 | Loan (75% LTV) | £97,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £447 |
| Rent needed (1.5×) | £670/mo | Estimated rent | £926/mo |
| Stress ratio | 2.07× (need ≥ 1.5×) +£256 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 | £1,647 |
| SA net/mo | £1,299 |
| BTL est./mo | £926 |
| SA vs BTL uplift | +£721/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £139,996 | +£9,996 | £37,217 | +£4,717 (3.6%) |
| 5 years | £147,083 | +£17,083 | £42,497 | +£9,997 (7.7%) |
| 7 years | £154,529 | +£24,529 | £48,044 | +£15,544 (12.0%) |
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 | £11,115 | £133,900 | £7,558 | £2,683 | £6,583 | 15.2% |
| Yr 3 | £11,678 | £142,055 | £7,963 | £8,654 | £20,708 | 47.9% |
| Yr 5 | £12,269 | £150,706 | £8,389 | £15,465 | £36,171 | 83.7% |
| Yr 10 | £13,881 | £174,709 | £9,549 | £36,458 | £81,168 | 187.9% |
| Yr 15 | £15,705 | £202,536 | £10,863 | £63,706 | £136,241 | 315.4% |
| Yr 20 | £17,769 | £234,794 | £12,349 | £98,029 | £202,823 | 469.5% |
| Yr 25 | £20,104 | £272,191 | £14,030 | £140,358 | £282,549 | 654.0% |
| Yr 30 | £22,746 | £315,544 | £15,932 | £191,745 | £377,289 | 873.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — OX28 5 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £787 | 7.3% | 4.4% | £-54 | -6.1% |
| Conservative | £861 | 7.9% | 5.2% | £119 | 4.1% |
| Base | £926 | 8.5% | 5.8% | £223 | 8.5% |
| Optimistic | £1,000 | 9.2% | 6.5% | £337 | 13.5% |
| Bull | £1,093 | 10.1% | 7.3% | £468 | 19.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.55% |
| Net Yield | ●5.81% |
| Net Annual Income | £7,556 |
| Deductions: void 8% (−£889) · mgmt 10% (−£1,112) · maint 10% (−£1,112) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£225 |
| Cash-on-Cash Return | ●6.21% |
| 5-Year IRR | ●8.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,911 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £787 | 7.3% | 4.4% | £-54 | -6.1% |
| Conservative | £861 | 7.9% | 5.2% | £119 | 4.1% |
| Base | £926 | 8.5% | 5.8% | £223 | 8.5% |
| Optimistic | £1,000 | 9.2% | 6.5% | £337 | 13.5% |
| Bull | £1,093 | 10.1% | 7.3% | £468 | 19.8% |