Bliss Close, Basingstoke, Hampshire, RG22
Maisonette · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 22.5% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £145,000
- Property Type
- Maisonette
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 624 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 — 6/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £452 |
| ICR (actual) | 2.7x |
| Feasibility | PASS |
| 💲 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
| 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 | £1,222/mo |
| Stress ratio | 2.45× (need ≥ 1.5×) +£474 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 | £1,469 |
| SA net/mo | £1,143 |
| BTL est./mo | £1,222 |
| SA vs BTL uplift | +£247/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 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 | £14,660 | £149,350 | £10,110 | £4,672 | £9,022 | 18.8% |
| Yr 3 | £15,402 | £158,445 | £10,644 | £14,815 | £28,261 | 58.9% |
| Yr 5 | £16,181 | £168,095 | £11,206 | £26,067 | £49,162 | 102.4% |
| Yr 10 | £18,308 | £194,868 | £12,737 | £59,425 | £109,293 | 227.7% |
| Yr 15 | £20,713 | £225,905 | £14,469 | £101,031 | £181,936 | 379.0% |
| Yr 20 | £23,435 | £261,886 | £16,428 | £151,970 | £268,856 | 560.1% |
| Yr 25 | £26,515 | £303,598 | £18,646 | £213,467 | £372,065 | 775.1% |
| Yr 30 | £29,999 | £351,953 | £21,155 | £286,911 | £493,864 | 1028.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — RG22 4 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,039 | 8.6% | 5.3% | £49 | -1.8% |
| Conservative | £1,136 | 9.4% | 6.3% | £260 | 7.7% |
| Base | £1,222 | 10.1% | 7.0% | £390 | 11.9% |
| Optimistic | £1,320 | 10.9% | 7.8% | £532 | 16.7% |
| Bull | £1,442 | 11.9% | 8.8% | £696 | 22.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.11% |
| Net Yield | ●6.97% |
| Net Annual Income | £10,113 |
| Deductions: void 8% (−£1,173) · mgmt 10% (−£1,466) · maint 10% (−£1,466) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£391 |
| Cash-on-Cash Return | ●9.74% |
| 5-Year IRR | ●11.9% |
● 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 | £2,436 |
| 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 | £1,039 | 8.6% | 5.3% | £49 | -1.8% |
| Conservative | £1,136 | 9.4% | 6.3% | £260 | 7.7% |
| Base | £1,222 | 10.1% | 7.0% | £390 | 11.9% |
| Optimistic | £1,320 | 10.9% | 7.8% | £532 | 16.7% |
| Bull | £1,442 | 11.9% | 8.8% | £696 | 22.8% |