North Street, Stanground, Peterborough, Cambridgeshire
Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 51.3% 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
- £70,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 635 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 — 7/10Behavioural signals: 97 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £218 |
| ICR (actual) | 3.94x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £70,000 |
| Deposit (25% — 75% LTV) | £17,500 |
| SDLT (additional property, 5% surcharge) | £3,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £23,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £70,000 | Loan (75% LTV) | £52,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £241 |
| Rent needed (1.5×) | £361/mo | Estimated rent | £861/mo |
| Stress ratio | 3.58× (need ≥ 1.5×) +£500 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 | £1,643 |
| SA net/mo | £1,296 |
| BTL est./mo | £861 |
| SA vs BTL uplift | +£782/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £75,382 | +£5,382 | £19,680 | +£2,180 (3.1%) |
| 5 years | £79,199 | +£9,199 | £22,523 | +£5,023 (7.2%) |
| 7 years | £83,208 | +£13,208 | £25,510 | +£8,010 (11.4%) |
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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📈 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 | £10,332 | £72,100 | £6,994 | £4,369 | £6,469 | 25.8% |
| Yr 3 | £10,855 | £76,491 | £7,371 | £13,670 | £20,161 | 80.3% |
| Yr 5 | £11,405 | £81,149 | £7,766 | £23,752 | £34,901 | 139.0% |
| Yr 10 | £12,903 | £94,074 | £8,845 | £52,642 | £76,717 | 305.6% |
| Yr 15 | £14,599 | £109,058 | £10,066 | £87,346 | £126,404 | 503.6% |
| Yr 20 | £16,517 | £126,428 | £11,447 | £128,628 | £185,056 | 737.3% |
| Yr 25 | £18,688 | £146,564 | £13,010 | £177,351 | £253,915 | 1011.6% |
| Yr 30 | £21,143 | £169,908 | £14,778 | £234,494 | £334,402 | 1332.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — PE2 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £732 | 12.5% | 7.5% | £154 | 6.6% |
| Conservative | £801 | 13.7% | 9.0% | £283 | 14.7% |
| Base | £861 | 14.8% | 10.0% | £364 | 18.3% |
| Optimistic | £930 | 15.9% | 11.2% | £454 | 22.4% |
| Bull | £1,016 | 17.4% | 12.6% | £560 | 27.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●14.76% |
| Net Yield | ●9.99% |
| Net Annual Income | £6,994 |
| Deductions: void 8% (−£827) · mgmt 10% (−£1,033) · maint 10% (−£1,033) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£365 |
| Cash-on-Cash Return | ●17.41% |
| 5-Year IRR | ●18.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,500 |
| Section 24 Extra Tax/yr (higher rate) | £525 |
| SPV Annual Saving | £1,689 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £81,149 |
| Less: Purchase Price | −£70,000 |
| Less: Buying Costs (SDLT + legal) | −£6,100 |
| Less: Selling Costs (est. 2.5%) | −£2,029 |
| = CGT Net Gain (5yr) | £3,020 |
| CGT at 24% | £5 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £732 | 12.5% | 7.5% | £154 | 6.6% |
| Conservative | £801 | 13.7% | 9.0% | £283 | 14.7% |
| Base | £861 | 14.8% | 10.0% | £364 | 18.3% |
| Optimistic | £930 | 15.9% | 11.2% | £454 | 22.4% |
| Bull | £1,016 | 17.4% | 12.6% | £560 | 27.8% |