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Terraced · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 35% 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
- £145,000
- Property Type
- Terraced
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
⚠️ No comparable sales found matching 1-2 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 4 | — | — | — | — |
| Sector sale 2 | Terraced | 4 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 4 | — | — | — | — |
| Sector sale 5 | Terraced | 6 | — | — | — | — |
| Sector sale 6 | Terraced | 5 | — | — | — | — |
| Sector sale 7 | Terraced | 5 | — | — | — | — |
| Sector sale 8 | Terraced | 5 | — | — | — | — |
| Sector sale 9 | Terraced | 4 | — | — | — | — |
| Sector sale 10 | Terraced | 4 | — | — | — | — |
■ 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
Standard — 3/10Behavioural signals: 65 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £452 |
| ICR (actual) | 1.52x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 109% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £145,000 |
| Deposit (25% — 75% LTV) | £36,250 |
| SDLT (additional property, 5% surcharge) | £7,650 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £46,899 |
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 | £145,000 | Loan (75% LTV) | £108,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £498 |
| Rent needed (1.5×) | £748/mo | Estimated rent | £689/mo |
| Stress ratio | 1.38× (need ≥ 1.5×) £59 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 | £984 |
| SA net/mo | £716 |
| BTL est./mo | £689 |
| SA vs BTL uplift | +£295/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £156,149 | +£11,149 | £41,601 | +£5,351 (3.7%) |
| 5 years | £164,054 | +£19,054 | £47,490 | +£11,240 (7.8%) |
| 7 years | £172,359 | +£27,359 | £53,678 | +£17,428 (12.0%) |
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 | £8,265 | £149,350 | £5,506 | £68 | £4,418 | 9.2% |
| Yr 3 | £8,683 | £158,445 | £5,807 | £655 | £14,100 | 29.4% |
| Yr 5 | £9,123 | £168,095 | £6,124 | £1,867 | £24,962 | 52.0% |
| Yr 10 | £10,322 | £194,868 | £6,987 | £7,844 | £57,712 | 120.2% |
| Yr 15 | £11,678 | £225,905 | £7,963 | £18,472 | £99,377 | 207.0% |
| Yr 20 | £13,213 | £261,886 | £9,068 | £34,361 | £151,247 | 315.1% |
| Yr 25 | £14,949 | £303,598 | £10,318 | £56,204 | £214,801 | 447.5% |
| Yr 30 | £16,914 | £351,953 | £11,733 | £84,781 | £291,734 | 607.8% |
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 | £586 | 4.8% | 2.8% | £-245 | -13.5% |
| Conservative | £641 | 5.3% | 3.4% | £-87 | -2.1% |
| Base | £689 | 5.7% | 3.8% | £6 | 2.7% |
| Optimistic | £744 | 6.2% | 4.3% | £106 | 8.2% |
| Bull | £813 | 6.7% | 4.8% | £218 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.7% |
| Net Yield | ●3.8% |
| Net Annual Income | £5,508 |
| Deductions: void 8% (−£661) · mgmt 10% (−£826) · maint 10% (−£826) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£7 |
| Cash-on-Cash Return | ●0.15% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £1,540 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £586 | 4.8% | 2.8% | £-245 | -13.5% |
| Conservative | £641 | 5.3% | 3.4% | £-87 | -2.1% |
| Base | £689 | 5.7% | 3.8% | £6 | 2.7% |
| Optimistic | £744 | 6.2% | 4.3% | £106 | 8.2% |
| Bull | £813 | 6.7% | 4.8% | £218 | 15.0% |
Run the numbers on this deal
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