Blythe Street, Wombwell, Barnsley
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 24.5% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £110,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 775 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £343 |
| ICR (actual) | 2.1x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £110,000 |
| Deposit (25% — 75% LTV) | £27,500 |
| SDLT (additional property, 5% surcharge) | £5,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £35,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £110,000 | Loan (75% LTV) | £82,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £378 |
| Rent needed (1.5×) | £567/mo | Estimated rent | £721/mo |
| Stress ratio | 1.91× (need ≥ 1.5×) +£154 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 | £1,580 |
| SA net/mo | £1,240 |
| BTL est./mo | £721 |
| SA vs BTL uplift | +£859/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £118,458 | +£8,458 | £31,371 | +£3,871 (3.5%) |
| 5 years | £124,455 | +£14,455 | £35,839 | +£8,339 (7.6%) |
| 7 years | £130,755 | +£20,755 | £40,533 | +£13,033 (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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Location
Comparable Sales in S73 8
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 10, MITCHELLS COURT, S73 8FZ | Terraced | 3 | £170,000 | £188 | 20/02/26 | 0.19 mi |
| 43, SUMMER LANE, S73 8HD | Terraced | 3 | £118,000 | £127 | 17/12/25 | 0.21 mi |
| 43, SUMMER LANE, S73 8HD | Terraced | 3 | £118,000 | £127 | 17/12/25 | 0.21 mi |
| 55, WOODBOURN GARDENS, S73 8FJ | Terraced | 3 | £177,000 | £158 | 16/12/25 | 0.73 mi |
■ Above subject ■ Below subject
Based on 4 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.
📈 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 | £8,657 | £113,300 | £5,788 | £1,663 | £4,963 | 13.4% |
| Yr 3 | £9,095 | £120,200 | £6,104 | £5,460 | £15,660 | 42.2% |
| Yr 5 | £9,556 | £127,520 | £6,435 | £9,913 | £27,433 | 73.9% |
| Yr 10 | £10,811 | £147,831 | £7,339 | £24,131 | £61,962 | 167.0% |
| Yr 15 | £12,232 | £171,376 | £8,362 | £43,220 | £104,597 | 281.9% |
| Yr 20 | £13,840 | £198,672 | £9,519 | £67,821 | £156,493 | 421.8% |
| Yr 25 | £15,658 | £230,316 | £10,829 | £98,657 | £218,972 | 590.2% |
| Yr 30 | £17,716 | £266,999 | £12,310 | £136,547 | £293,546 | 791.2% |
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)
🌎 Area Profile — S73 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £613 | 6.7% | 3.9% | £-86 | -8.4% |
| Conservative | £671 | 7.3% | 4.7% | £54 | 2.1% |
| Base | £721 | 7.9% | 5.3% | £138 | 6.6% |
| Optimistic | £779 | 8.5% | 5.9% | £230 | 11.7% |
| Bull | £851 | 9.3% | 6.6% | £335 | 18.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.87% |
| Net Yield | ●5.26% |
| Net Annual Income | £5,784 |
| Deductions: void 8% (−£693) · mgmt 10% (−£866) · maint 10% (−£866) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£139 |
| Cash-on-Cash Return | ●4.47% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,529 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £613 | 6.7% | 3.9% | £-86 | -8.4% |
| Conservative | £671 | 7.3% | 4.7% | £54 | 2.1% |
| Base | £721 | 7.9% | 5.3% | £138 | 6.6% |
| Optimistic | £779 | 8.5% | 5.9% | £230 | 11.7% |
| Bull | £851 | 9.3% | 6.6% | £335 | 18.1% |