Ironside Place, Sheffield, S14
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 34.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £85,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 861 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 148 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £265 |
| ICR (actual) | 3.6x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £85,000 |
| Deposit (25% — 75% LTV) | £21,250 |
| SDLT (additional property, 5% surcharge) | £4,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £28,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £85,000 | Loan (75% LTV) | £63,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £292 |
| Rent needed (1.5×) | £438/mo | Estimated rent | £954/mo |
| Stress ratio | 3.27× (need ≥ 1.5×) +£516 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 | £91,536 | +£6,536 | £24,064 | +£2,814 (3.3%) |
| 5 years | £96,170 | +£11,170 | £27,516 | +£6,266 (7.4%) |
| 7 years | £101,038 | +£16,038 | £31,144 | +£9,894 (11.6%) |
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 | £11,450 | £87,550 | £7,799 | £4,611 | £7,161 | 24.2% |
| Yr 3 | £12,029 | £92,882 | £8,216 | £14,457 | £22,339 | 75.5% |
| Yr 5 | £12,638 | £98,538 | £8,654 | £25,169 | £38,707 | 130.8% |
| Yr 10 | £14,299 | £114,233 | £9,850 | £56,032 | £85,265 | 288.1% |
| Yr 15 | £16,178 | £132,427 | £11,203 | £93,337 | £140,764 | 475.6% |
| Yr 20 | £18,304 | £153,519 | £12,734 | £137,931 | £206,450 | 697.5% |
| Yr 25 | £20,709 | £177,971 | £14,465 | £190,772 | £283,743 | 958.6% |
| Yr 30 | £23,430 | £206,317 | £16,425 | £252,943 | £374,260 | 1264.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | 11.4% | 6.9% | £145 | 4.6% |
| Conservative | £887 | 12.5% | 8.2% | £292 | 13.1% |
| Base | £954 | 13.5% | 9.2% | £384 | 16.9% |
| Optimistic | £1,030 | 14.5% | 10.2% | £486 | 21.2% |
| Bull | £1,126 | 15.9% | 11.6% | £606 | 26.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.47% |
| Net Yield | ●9.17% |
| 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 | £265 |
| Monthly Cashflow (IO) | ●£385 |
| Cash-on-Cash Return | ●15.58% |
| 5-Year IRR | ●16.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,250 |
| Section 24 Extra Tax/yr (higher rate) | £638 |
| SPV Annual Saving | £1,873 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £98,538 |
| Less: Purchase Price | −£85,000 |
| Less: Buying Costs (SDLT + legal) | −£6,850 |
| Less: Selling Costs (est. 2.5%) | −£2,463 |
| = CGT Net Gain (5yr) | £4,225 |
| CGT at 24% | £294 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 11.4% | 6.9% | £145 | 4.6% |
| Conservative | £887 | 12.5% | 8.2% | £292 | 13.1% |
| Base | £954 | 13.5% | 9.2% | £384 | 16.9% |
| Optimistic | £1,030 | 14.5% | 10.2% | £486 | 21.2% |
| Bull | £1,126 | 15.9% | 11.6% | £606 | 26.8% |