Maple House, Denham Wood Close, Chorley, Lancashire, PR7
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £100,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 603 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £312 |
| ICR (actual) | 2.36x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £100,000 |
| Deposit (25% — 75% LTV) | £25,000 |
| SDLT (additional property, 5% surcharge) | £5,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £100,000 | Loan (75% LTV) | £75,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £344 |
| Rent needed (1.5×) | £516/mo | Estimated rent | £735/mo |
| Stress ratio | 2.14× (need ≥ 1.5×) +£219 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 | £1,371 |
| SA net/mo | £1,056 |
| BTL est./mo | £735 |
| SA vs BTL uplift | +£636/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £107,689 | +£7,689 | £28,448 | +£3,448 (3.4%) |
| 5 years | £113,141 | +£13,141 | £32,510 | +£7,510 (7.5%) |
| 7 years | £118,869 | +£18,869 | £36,777 | +£11,777 (11.8%) |
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 | £8,820 | £103,000 | £5,905 | £2,155 | £5,155 | 15.1% |
| Yr 3 | £9,267 | £109,273 | £6,227 | £6,946 | £16,219 | 47.6% |
| Yr 5 | £9,736 | £115,927 | £6,565 | £12,405 | £28,332 | 83.1% |
| Yr 10 | £11,015 | £134,392 | £7,486 | £29,196 | £63,588 | 186.5% |
| Yr 15 | £12,462 | £155,797 | £8,528 | £50,950 | £106,747 | 313.0% |
| Yr 20 | £14,100 | £180,611 | £9,707 | £78,319 | £158,930 | 466.1% |
| Yr 25 | £15,953 | £209,378 | £11,041 | £112,040 | £221,418 | 649.3% |
| Yr 30 | £18,049 | £242,726 | £12,551 | £152,950 | £295,676 | 867.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — PR7 2 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £625 | 7.5% | 4.4% | £-37 | -6.3% |
| Conservative | £684 | 8.2% | 5.3% | £98 | 3.9% |
| Base | £735 | 8.8% | 5.9% | £180 | 8.2% |
| Optimistic | £794 | 9.5% | 6.6% | £269 | 13.1% |
| Bull | £867 | 10.4% | 7.5% | £372 | 19.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.82% |
| Net Yield | ●5.91% |
| Net Annual Income | £5,905 |
| Deductions: void 8% (−£706) · mgmt 10% (−£882) · maint 10% (−£882) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£180 |
| Cash-on-Cash Return | ●6.32% |
| 5-Year IRR | ●8.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,533 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £625 | 7.5% | 4.4% | £-37 | -6.3% |
| Conservative | £684 | 8.2% | 5.3% | £98 | 3.9% |
| Base | £735 | 8.8% | 5.9% | £180 | 8.2% |
| Optimistic | £794 | 9.5% | 6.6% | £269 | 13.1% |
| Bull | £867 | 10.4% | 7.5% | £372 | 19.4% |