Morland Road, Sheffield, S14
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £125,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 861 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Motivated Seller Analysis
Active — 6/10Behavioural signals: 85 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £390 |
| ICR (actual) | 2.45x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £125,000 |
| Deposit (25% — 75% LTV) | £31,250 |
| SDLT (additional property, 5% surcharge) | £6,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £40,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £125,000 | Loan (75% LTV) | £93,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £430 |
| Rent needed (1.5×) | £645/mo | Estimated rent | £954/mo |
| Stress ratio | 2.22× (need ≥ 1.5×) +£309 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 | £1,545 |
| SA net/mo | £1,210 |
| BTL est./mo | £954 |
| SA vs BTL uplift | +£591/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £134,611 | +£9,611 | £35,755 | +£4,505 (3.6%) |
| 5 years | £141,426 | +£16,426 | £40,832 | +£9,582 (7.7%) |
| 7 years | £148,586 | +£23,586 | £46,166 | +£14,916 (11.9%) |
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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Location
Comparable Sales in S14 1
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 58, GAUNT ROAD, S14 1GF | Terraced | 3 | £119,000 | £129 | 20/02/26 | 0.35 mi |
| 4, IRONSIDE CLOSE, S14 1FB | Terraced | 3 | £136,000 | £128 | 20/02/26 | 0.34 mi |
| 4, IRONSIDE CLOSE, S14 1FB | Terraced | 3 | £136,000 | £128 | 20/02/26 | 0.34 mi |
| 58, GAUNT ROAD, S14 1GF | Terraced | 3 | £119,000 | £129 | 20/02/26 | 0.35 mi |
■ 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 not available from Land Registry records. Comparables are matched by postcode sector and property type only.
📈 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 | £11,450 | £128,750 | £7,799 | £3,112 | £6,862 | 16.5% |
| Yr 3 | £12,030 | £136,591 | £8,216 | £9,958 | £21,549 | 51.8% |
| Yr 5 | £12,639 | £144,909 | £8,655 | £17,671 | £37,580 | 90.3% |
| Yr 10 | £14,299 | £167,990 | £9,851 | £41,036 | £84,025 | 202.0% |
| Yr 15 | £16,179 | £194,746 | £11,204 | £70,843 | £140,589 | 338.0% |
| Yr 20 | £18,305 | £225,764 | £12,734 | £107,940 | £208,704 | 501.7% |
| Yr 25 | £20,710 | £261,722 | £14,466 | £153,284 | £290,006 | 697.1% |
| Yr 30 | £23,431 | £303,408 | £16,426 | £207,959 | £386,367 | 928.8% |
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)
🌎 Area Profile — S14 1 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 7.8% | 4.7% | £-18 | -4.6% |
| Conservative | £887 | 8.5% | 5.6% | £154 | 5.4% |
| Base | £954 | 9.2% | 6.2% | £259 | 9.7% |
| Optimistic | £1,030 | 9.9% | 7.0% | £374 | 14.6% |
| Bull | £1,126 | 10.8% | 7.9% | £506 | 20.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.16% |
| Net Yield | ●6.24% |
| Net Annual Income | £7,798 |
| Deductions: void 8% (−£916) · mgmt 10% (−£1,145) · maint 10% (−£1,145) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£260 |
| Cash-on-Cash Return | ●7.48% |
| 5-Year IRR | ●9.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £1,948 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 7.8% | 4.7% | £-18 | -4.6% |
| Conservative | £887 | 8.5% | 5.6% | £154 | 5.4% |
| Base | £954 | 9.2% | 6.2% | £259 | 9.7% |
| Optimistic | £1,030 | 9.9% | 7.0% | £374 | 14.6% |
| Bull | £1,126 | 10.8% | 7.9% | £506 | 20.8% |