Kilton Glade, Worksop
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 23.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £130,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 861 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Active — 6/10Behavioural signals: 92 days on marketBelow market valueTenanted investment
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £405 |
| ICR (actual) | 1.6x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 114% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £130,000 |
| Deposit (25% — 75% LTV) | £32,500 |
| SDLT (additional property, 5% surcharge) | £6,600 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £42,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £130,000 | Loan (75% LTV) | £97,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £447 |
| Rent needed (1.5×) | £670/mo | Estimated rent | £647/mo |
| Stress ratio | 1.45× (need ≥ 1.5×) £23 shortfall | ||
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 | £1,635 |
| SA net/mo | £1,289 |
| BTL est./mo | £647 |
| SA vs BTL uplift | +£988/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £139,996 | +£9,996 | £37,217 | +£4,717 (3.6%) |
| 5 years | £147,083 | +£17,083 | £42,497 | +£9,997 (7.7%) |
| 7 years | £154,529 | +£24,529 | £48,044 | +£15,544 (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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Location
Comparable Sales in S81 7
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 9, MOUNT AVENUE, S81 7JN | Semi | 2 | £215,000 | £265 | 03/03/26 | 0.85 mi |
| 162, ANSTON AVENUE, S81 7JG | Semi | 2 | £145,000 | £198 | 02/03/26 | 1.05 mi |
| 127, ANSTON AVENUE, S81 7JF | Semi | 2 | £100,000 | £137 | 27/02/26 | 1.03 mi |
| 38, RED ADMIRAL ROAD, S81 7TB | Semi | 2 | £215,000 | £259 | 27/02/26 | 1.86 mi |
| 38, RED ADMIRAL ROAD, S81 7TB | Semi | 2 | £215,000 | £259 | 27/02/26 | 1.86 mi |
| 193, GATEFORD ROAD, S81 7BB | Semi | 2 | £112,000 | £130 | 06/02/26 | 1.19 mi |
| 48, RAYMOTH LANE, S81 7LT | Semi | 2 | £190,000 | £256 | 04/02/26 | 1.20 mi |
■ 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.
📈 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 | £7,761 | £133,900 | £5,143 | £268 | £4,168 | 9.6% |
| Yr 3 | £8,154 | £142,055 | £5,426 | £1,226 | £13,281 | 30.7% |
| Yr 5 | £8,567 | £150,706 | £5,723 | £2,772 | £23,478 | 54.3% |
| Yr 10 | £9,692 | £174,709 | £6,534 | £9,404 | £54,113 | 125.3% |
| Yr 15 | £10,966 | £202,536 | £7,451 | £20,402 | £92,938 | 215.1% |
| Yr 20 | £12,407 | £234,794 | £8,488 | £36,342 | £141,136 | 326.7% |
| Yr 25 | £14,038 | £272,191 | £9,662 | £57,871 | £200,062 | 463.1% |
| Yr 30 | £15,882 | £315,544 | £10,990 | £85,725 | £271,269 | 627.9% |
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 — S81 7 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £550 | 5.1% | 3.0% | £-208 | -13.0% |
| Conservative | £602 | 5.6% | 3.5% | £-63 | -1.6% |
| Base | £647 | 6.0% | 4.0% | £23 | 3.1% |
| Optimistic | £699 | 6.5% | 4.4% | £114 | 8.5% |
| Bull | £763 | 7.0% | 5.0% | £218 | 15.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.97% |
| Net Yield | ●3.96% |
| Net Annual Income | £5,145 |
| Deductions: void 8% (−£621) · mgmt 10% (−£776) · maint 10% (−£776) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£24 |
| Cash-on-Cash Return | ●0.62% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,441 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £550 | 5.1% | 3.0% | £-208 | -13.0% |
| Conservative | £602 | 5.6% | 3.5% | £-63 | -1.6% |
| Base | £647 | 6.0% | 4.0% | £23 | 3.1% |
| Optimistic | £699 | 6.5% | 4.4% | £114 | 8.5% |
| Bull | £763 | 7.0% | 5.0% | £218 | 15.3% |