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Terraced · 4 bed
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Suggested Offer Range
Already 15% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £235,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,300–1,400 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
Comparable Sales in this postcode sector
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 4 | — | — | — | — |
| Sector sale 2 | Terraced | 4 | — | — | — | — |
| Sector sale 3 | Terraced | 4 | — | — | — | — |
| Sector sale 4 | Terraced | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 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.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 167 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £733 |
| ICR (actual) | 2.0x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 143% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £235,000 |
| Deposit (25% — 75% LTV) | £58,750 |
| SDLT (additional property, 5% surcharge) | £13,950 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £75,699 |
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 | £235,000 | Loan (75% LTV) | £176,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £808 |
| Rent needed (1.5×) | £1,212/mo | Estimated rent | £1,466/mo |
| Stress ratio | 1.81× (need ≥ 1.5×) +£254 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 (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 | £2,398 |
| SA net/mo | £1,960 |
| BTL est./mo | £1,467 |
| SA vs BTL uplift | +£931/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £253,069 | +£18,069 | £67,907 | +£9,157 (3.9%) |
| 5 years | £265,881 | +£30,881 | £77,451 | +£18,701 (8.0%) |
| 7 years | £279,341 | +£44,341 | £87,479 | +£28,729 (12.2%) |
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 | £17,602 | £242,050 | £12,228 | £3,416 | £10,466 | 13.6% |
| Yr 3 | £18,493 | £256,791 | £12,870 | £11,205 | £32,996 | 43.0% |
| Yr 5 | £19,429 | £272,429 | £13,544 | £20,326 | £57,756 | 75.2% |
| Yr 10 | £21,982 | £315,820 | £15,382 | £49,406 | £130,227 | 169.6% |
| Yr 15 | £24,870 | £366,122 | £17,462 | £88,390 | £219,513 | 285.8% |
| Yr 20 | £28,139 | £424,436 | £19,815 | £138,579 | £328,016 | 427.1% |
| Yr 25 | £31,836 | £492,038 | £22,477 | £201,447 | £458,484 | 597.0% |
| Yr 30 | £36,020 | £570,407 | £25,489 | £278,657 | £614,064 | 799.6% |
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 — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.4% | 3.9% | £-182 | -8.0% |
| Conservative | £1,363 | 7.0% | 4.7% | £109 | 2.4% |
| Base | £1,466 | 7.5% | 5.2% | £284 | 7.0% |
| Optimistic | £1,583 | 8.1% | 5.8% | £474 | 12.1% |
| Bull | £1,730 | 8.8% | 6.5% | £690 | 18.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.49% |
| Net Yield | ●5.2% |
| Net Annual Income | £12,221 |
| Deductions: void 8% (−£1,408) · mgmt 10% (−£1,760) · maint 10% (−£1,760) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £733 |
| Monthly Cashflow (IO) | ●£285 |
| Cash-on-Cash Return | ●4.44% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,950 |
| SDLT Effective Rate | 5.94% |
| SDLT (Company) | £13,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,763 |
| SPV Annual Saving | £3,015 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £272,429 |
| Less: Purchase Price | −£235,000 |
| Less: Buying Costs (SDLT + legal) | −£16,550 |
| Less: Selling Costs (est. 2.5%) | −£6,811 |
| = CGT Net Gain (5yr) | £14,068 |
| CGT at 24% | £2,656 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.4% | 3.9% | £-182 | -8.0% |
| Conservative | £1,363 | 7.0% | 4.7% | £109 | 2.4% |
| Base | £1,466 | 7.5% | 5.2% | £284 | 7.0% |
| Optimistic | £1,583 | 8.1% | 5.8% | £474 | 12.1% |
| Bull | £1,730 | 8.8% | 6.5% | £690 | 18.7% |
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