Butterthwaite Road, Sheffield, South Yorkshire, S5
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 32.2% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £140,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 829 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 3/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £437 |
| ICR (actual) | 2.19x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £140,000 |
| Deposit (25% — 75% LTV) | £35,000 |
| SDLT (additional property, 5% surcharge) | £7,300 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £45,299 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £140,000 | Loan (75% LTV) | £105,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £481 |
| Rent needed (1.5×) | £722/mo | Estimated rent | £954/mo |
| Stress ratio | 1.98× (need ≥ 1.5×) +£232 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 | £150,765 | +£10,765 | £40,140 | +£5,140 (3.7%) |
| 5 years | £158,397 | +£18,397 | £45,826 | +£10,826 (7.7%) |
| 7 years | £166,416 | +£26,416 | £51,800 | +£16,800 (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 | £11,452 | £144,200 | £7,800 | £2,550 | £6,750 | 14.5% |
| Yr 3 | £12,032 | £152,982 | £8,218 | £8,275 | £21,257 | 45.8% |
| Yr 5 | £12,641 | £162,298 | £8,656 | £14,866 | £37,164 | 80.1% |
| Yr 10 | £14,302 | £188,148 | £9,852 | £35,427 | £83,575 | 180.1% |
| Yr 15 | £16,181 | £218,115 | £11,206 | £62,432 | £140,547 | 302.9% |
| Yr 20 | £18,308 | £252,856 | £12,737 | £96,727 | £209,583 | 451.7% |
| Yr 25 | £20,714 | £293,129 | £14,469 | £139,271 | £292,400 | 630.2% |
| Yr 30 | £23,435 | £339,817 | £16,429 | £191,147 | £390,964 | 842.6% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — S5 7 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 7.0% | 4.2% | £-79 | -6.9% |
| Conservative | £887 | 7.6% | 5.0% | £103 | 3.4% |
| Base | £954 | 8.2% | 5.6% | £212 | 7.8% |
| Optimistic | £1,030 | 8.8% | 6.2% | £332 | 12.9% |
| Bull | £1,126 | 9.6% | 7.0% | £468 | 19.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.18% |
| Net Yield | ●5.57% |
| 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 | £437 |
| Monthly Cashflow (IO) | ●£213 |
| Cash-on-Cash Return | ●5.49% |
| 5-Year IRR | ●7.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £1,976 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 7.0% | 4.2% | £-79 | -6.9% |
| Conservative | £887 | 7.6% | 5.0% | £103 | 3.4% |
| Base | £954 | 8.2% | 5.6% | £212 | 7.8% |
| Optimistic | £1,030 | 8.8% | 6.2% | £332 | 12.9% |
| Bull | £1,126 | 9.6% | 7.0% | £468 | 19.3% |