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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 51% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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.
Property Details
- Asking Price
- £100,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- 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
⚠️ Only 2 comparable sale(s) matched 3 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 2 | — | — | — | — |
| Sector sale 2 | Semi | 2 | — | — | — | — |
| Sector sale 3 | Semi | 4 | — | — | — | — |
| Sector sale 4 | Semi | 3 | — | — | — | — |
| Sector sale 5 | Semi | 3 | — | — | — | — |
| Sector sale 6 | Semi | 2 | — | — | — | — |
| Sector sale 7 | Semi | 2 | — | — | — | — |
| Sector sale 8 | Semi | 2 | — | — | — | — |
| Sector sale 9 | Semi | 2 | — | — | — | — |
| Sector sale 10 | Semi | 2 | — | — | — | — |
■ 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.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £397 |
| ICR (actual) | 2.4x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £100,000 |
| Deposit (25% — 75% LTV) | £25,000 |
| SDLT (additional property, 5% surcharge) | £6,408 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £34,407 |
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 | £100,000 | Loan (75% LTV) | £75,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £344 |
| Rent needed (1.5×) | £516/mo | Estimated rent | £954/mo |
| Stress ratio | 2.78× (need ≥ 1.5×) +£438 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) | £190,000 |
| 75% remortgage | £142,500 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-106/mo |
| Gross margin | +£90,000 |
| Reno cost (est.) | –£10,800 |
| Buy + sell costs | –£11,450 |
| Net profit | +£67,750 (189.2% ROI) |
| SA gross/mo | £1,545 |
| SA net/mo | £1,210 |
| BTL est./mo | £750 |
| SA vs BTL uplift | +£795/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 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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All yield, cashflow, SDLT, CGT and mortgage figures on this page are calculated on the estimated effective purchase cost — not the guide price shown above.
| Guide price | £100,000 |
| Estimated hammer (mid) | £120,000 (guide × 1.20 — typical range is +10–35%) |
| Buyer’s premium (4% + VAT = 4.8%) | £5,760 |
| Legal fees (est.) | £1,500 |
| Effective purchase cost | £127,260 (+27.3% vs guide) |
Guide prices can change before auction day. Always verify the reserve price and obtain legal pack before bidding.
📈 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 | £9,000 | £103,000 | £6,035 | £2,285 | £5,285 | 15.5% |
| Yr 3 | £9,456 | £109,273 | £6,363 | £7,345 | £16,618 | 48.7% |
| Yr 5 | £9,934 | £115,927 | £6,708 | £13,086 | £29,013 | 85.1% |
| Yr 10 | £11,240 | £134,392 | £7,648 | £30,648 | £65,040 | 190.7% |
| Yr 15 | £12,717 | £155,797 | £8,711 | £53,274 | £109,071 | 319.9% |
| Yr 20 | £14,388 | £180,611 | £9,914 | £81,629 | £162,241 | 475.8% |
| Yr 25 | £16,279 | £209,378 | £11,276 | £116,467 | £225,845 | 662.3% |
| Yr 30 | £18,418 | £242,726 | £12,816 | £158,640 | £301,366 | 883.8% |
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)
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 | £811 | 7.6% | 4.6% | £-27 | -5.0% |
| Conservative | £887 | 8.4% | 5.5% | £147 | 5.0% |
| Base | £954 | 9.0% | 6.1% | £252 | 9.4% |
| Optimistic | £1,030 | 9.7% | 6.8% | £367 | 14.3% |
| Bull | £1,126 | 10.6% | 7.7% | £500 | 20.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.0% |
| Net Yield | ●6.13% |
| Net Annual Income | £7,798 |
| Deductions: void 8% (−£720) · mgmt 10% (−£900) · maint 10% (−£900) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £397 |
| Monthly Cashflow (IO) | ●£253 |
| Cash-on-Cash Return | ●7.15% |
| 5-Year IRR | ●9.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,408 |
| SDLT Effective Rate | 5.04% |
| SDLT (Company) | £6,408 |
| Section 24 Extra Tax/yr (higher rate) | £954 |
| SPV Annual Saving | £1,953 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £147,529 |
| Less: Purchase Price | −£127,260 |
| Less: Buying Costs (SDLT + legal) | −£9,008 |
| Less: Selling Costs (est. 2.5%) | −£3,688 |
| = CGT Net Gain (5yr) | £7,573 |
| CGT at 24% | £1,098 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 7.6% | 4.6% | £-27 | -5.0% |
| Conservative | £887 | 8.4% | 5.5% | £147 | 5.0% |
| Base | £954 | 9.0% | 6.1% | £252 | 9.4% |
| Optimistic | £1,030 | 9.7% | 6.8% | £367 | 14.3% |
| Bull | £1,126 | 10.6% | 7.7% | £500 | 20.6% |