Ilkley Road, Sheffield
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 10.2% below the comparable sales mean — some negotiation possible but limited margin.
Property Details
- Asking Price
- £99,995
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 743 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 — 4/10Behavioural signals: 148 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £312 |
| ICR (actual) | 3.06x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £99,995 |
| Deposit (25% — 75% LTV) | £24,998 |
| SDLT (additional property, 5% surcharge) | £5,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,997 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £99,995 | Loan (75% LTV) | £74,996 |
| 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 (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 | £107,684 | +£7,689 | £28,447 | +£3,448 (3.4%) |
| 5 years | £113,135 | +£13,140 | £32,508 | +£7,509 (7.5%) |
| 7 years | £118,863 | +£18,868 | £36,775 | +£11,776 (11.8%) |
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 | £11,449 | £102,995 | £7,799 | £4,049 | £7,049 | 20.7% |
| Yr 3 | £12,029 | £109,267 | £8,216 | £12,770 | £22,042 | 64.6% |
| Yr 5 | £12,638 | £115,922 | £8,654 | £22,357 | £38,284 | 112.3% |
| Yr 10 | £14,299 | £134,385 | £9,850 | £50,408 | £84,798 | 248.7% |
| Yr 15 | £16,178 | £155,789 | £11,203 | £84,901 | £140,695 | 412.6% |
| Yr 20 | £18,304 | £180,602 | £12,734 | £126,683 | £207,290 | 607.9% |
| Yr 25 | £20,709 | £209,367 | £14,465 | £176,712 | £286,085 | 839.0% |
| Yr 30 | £23,430 | £242,714 | £16,425 | £236,071 | £378,791 | 1110.9% |
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 | 9.7% | 5.9% | £84 | 0.4% |
| Conservative | £887 | 10.6% | 7.0% | £240 | 9.6% |
| Base | £954 | 11.4% | 7.8% | £337 | 13.5% |
| Optimistic | £1,030 | 12.4% | 8.7% | £444 | 18.1% |
| Bull | £1,126 | 13.5% | 9.8% | £568 | 24.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.45% |
| Net Yield | ●7.8% |
| 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 | £312 |
| Monthly Cashflow (IO) | ●£338 |
| Cash-on-Cash Return | ●11.87% |
| 5-Year IRR | ●13.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,901 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,922 |
| Less: Purchase Price | −£99,995 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 9.7% | 5.9% | £84 | 0.4% |
| Conservative | £887 | 10.6% | 7.0% | £240 | 9.6% |
| Base | £954 | 11.4% | 7.8% | £337 | 13.5% |
| Optimistic | £1,030 | 12.4% | 8.7% | £444 | 18.1% |
| Bull | £1,126 | 13.5% | 9.8% | £568 | 24.0% |