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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 30% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,700 |
| Bedroom 2 | £1,700 |
| Total Estimated Refurb | £10,800 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Burngreave Building Company: Sheffield Builders & Roofing ... | 0114 228 9110 | — |
| decorator | Richard Smithson Decorating Services: Home | 07831 588 477 | — |
| photographer | Melissa Sadler Photography | 04088097675 | — |
Property Details
- Asking Price
- £134,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 2 | — | — | — | — |
| Sector sale 2 | Terraced | 2 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 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.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £418 |
| ICR (actual) | 1.99x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 142% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £134,000 |
| Deposit (25% — 75% LTV) | £33,500 |
| SDLT (additional property, 5% surcharge) | £6,880 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £43,379 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £134,000 | Loan (75% LTV) | £100,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £461 |
| Rent needed (1.5×) | £691/mo | Estimated rent | £830/mo |
| Stress ratio | 1.8× (need ≥ 1.5×) +£139 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 (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £207,500 |
| 75% remortgage | £155,625 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-109/mo |
| Gross margin | +£73,500 |
| Reno cost (est.) | –£10,800 |
| Buy + sell costs | –£13,592 |
| Net profit | +£49,108 (110.9% ROI) |
| SA gross/mo | £1,373 |
| SA net/mo | £1,058 |
| BTL est./mo | £830 |
| SA vs BTL uplift | +£543/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £144,303 | +£10,303 | £38,386 | +£4,886 (3.6%) |
| 5 years | £151,609 | +£17,609 | £43,828 | +£10,328 (7.7%) |
| 7 years | £159,284 | +£25,284 | £49,546 | +£16,046 (12.0%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 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 | £9,956 | £138,020 | £6,723 | £1,698 | £5,718 | 12.9% |
| Yr 3 | £10,460 | £146,425 | £7,086 | £5,638 | £18,063 | 40.6% |
| Yr 5 | £10,990 | £155,343 | £7,468 | £10,330 | £31,673 | 71.2% |
| Yr 10 | £12,434 | £180,085 | £8,507 | £25,611 | £71,696 | 161.2% |
| Yr 15 | £14,068 | £208,768 | £9,684 | £46,494 | £121,262 | 272.6% |
| Yr 20 | £15,916 | £242,019 | £11,015 | £73,716 | £181,735 | 408.6% |
| Yr 25 | £18,008 | £280,566 | £12,521 | £108,109 | £254,675 | 572.6% |
| Yr 30 | £20,374 | £325,253 | £14,225 | £150,615 | £341,868 | 768.6% |
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)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £706 | 6.3% | 3.8% | £-123 | -9.0% |
| Conservative | £772 | 6.9% | 4.5% | £43 | 1.7% |
| Base | £830 | 7.4% | 5.0% | £142 | 6.2% |
| Optimistic | £896 | 8.0% | 5.6% | £249 | 11.4% |
| Bull | £979 | 8.8% | 6.3% | £372 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.43% |
| Net Yield | ●5.02% |
| Net Annual Income | £6,726 |
| Deductions: void 8% (−£796) · mgmt 10% (−£996) · maint 10% (−£996) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £418 |
| Monthly Cashflow (IO) | ●£142 |
| Cash-on-Cash Return | ●3.82% |
| 5-Year IRR | ●6.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,880 |
| SDLT Effective Rate | 5.13% |
| SDLT (Company) | £6,880 |
| Section 24 Extra Tax/yr (higher rate) | £1,005 |
| SPV Annual Saving | £1,757 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £155,343 |
| Less: Purchase Price | −£134,000 |
| Less: Buying Costs (SDLT + legal) | −£9,480 |
| Less: Selling Costs (est. 2.5%) | −£3,884 |
| = CGT Net Gain (5yr) | £7,979 |
| CGT at 24% | £1,195 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £706 | 6.3% | 3.8% | £-123 | -9.0% |
| Conservative | £772 | 6.9% | 4.5% | £43 | 1.7% |
| Base | £830 | 7.4% | 5.0% | £142 | 6.2% |
| Optimistic | £896 | 8.0% | 5.6% | £249 | 11.4% |
| Bull | £979 | 8.8% | 6.3% | £372 | 17.9% |
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