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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 155% above the area median. Offers anchored to area median of £145,000.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,300 |
| Bathroom | £2,450 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| Bedroom 4 | £700 |
| Bedroom 5 | £700 |
| Total Estimated Refurb | £10,560 |
⚠ 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 | Swansea Building Contractor | Extensions, Loft Conversions ... | 07917 752006 | — |
| decorator | Osborne Decorating: Painter and Decorators in Swansea | 07795 967129 | — |
| photographer | Fashion and Luxury Portrait Photography Swansea, Cardiff South ... | +447971 487799 | — |
Property Details
- Asking Price
- £369,995
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 2,200–2,300 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
⚠️ No comparable sales found matching 4-6 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 9 | — | — | — | — |
| Sector sale 2 | Flat | 1 | — | — | — | — |
| Sector sale 3 | Terraced | 11 | — | — | — | — |
| Sector sale 4 | Terraced | 10 | — | — | — | — |
| Sector sale 5 | Flat | 0 | — | — | — | — |
| Sector sale 6 | Terraced | 9 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 59.1% (threshold: 40%). Comparable prices in this sector vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 67 days on marketTenanted investment
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,154 |
| ICR (actual) | 2.6x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £369,995 |
| Deposit (25% — 75% LTV) | £92,498 |
| SDLT (additional property, 5% surcharge) | £27,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £122,497 |
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 | £369,995 | Loan (75% LTV) | £277,496 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,272 |
| Rent needed (1.5×) | £1,908/mo | Estimated rent | £1,233/mo |
| Stress ratio | 0.97× (need ≥ 1.5×) £675 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 (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) | £425,494 |
| 75% remortgage | £319,121 |
| Cash left in deal | £61,434 (40% recycled) |
| Est. BTL cashflow | +£620/mo |
| Gross margin | £-49,995 |
| Reno cost (est.) | –£10,560 |
| Buy + sell costs | –£35,400 |
| Net profit | £-95,955 (-93.1% ROI) |
| SA gross/mo | £2,136 |
| SA net/mo | £1,730 |
| BTL est./mo | £3,000 |
| SA vs BTL uplift | £-864/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £398,444 | +£28,449 | £107,363 | +£14,865 (4.0%) |
| 5 years | £418,615 | +£48,620 | £122,391 | +£29,892 (8.1%) |
| 7 years | £439,808 | +£69,813 | £138,179 | +£45,681 (12.3%) |
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 | £36,001 | £381,095 | £25,475 | £11,601 | £22,700 | 18.4% |
| Yr 3 | £37,823 | £404,304 | £26,788 | £36,762 | £71,070 | 57.5% |
| Yr 5 | £39,738 | £428,926 | £28,166 | £64,647 | £123,578 | 100.0% |
| Yr 10 | £44,960 | £497,242 | £31,926 | £147,198 | £274,445 | 222.0% |
| Yr 15 | £50,868 | £576,440 | £36,180 | £250,005 | £456,450 | 369.3% |
| Yr 20 | £57,552 | £668,252 | £40,993 | £375,731 | £673,988 | 545.3% |
| Yr 25 | £65,115 | £774,687 | £46,438 | £527,387 | £932,079 | 754.1% |
| Yr 30 | £73,672 | £898,075 | £52,599 | £708,380 | £1,236,460 | 1000.4% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 8.3% | 5.3% | £117 | -2.3% |
| Conservative | £2,790 | 9.0% | 6.2% | £644 | 7.0% |
| Base | £3,000 | 9.7% | 6.9% | £967 | 11.2% |
| Optimistic | £3,240 | 10.5% | 7.7% | £1,320 | 16.1% |
| Bull | £3,540 | 11.5% | 8.6% | £1,728 | 22.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.73% |
| Net Yield | ●6.89% |
| Net Annual Income | £25,475 |
| Deductions: void 8% (−£2,880) · mgmt 10% (−£3,600) · maint 10% (−£3,600) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,154 |
| Monthly Cashflow (IO) | ●£969 |
| Cash-on-Cash Return | ●9.39% |
| 5-Year IRR | ●11.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,000 |
| SDLT Effective Rate | 7.3% |
| SDLT (Company) | £27,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,775 |
| SPV Annual Saving | £5,845 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £428,926 |
| Less: Purchase Price | −£369,995 |
| Less: Buying Costs (SDLT + legal) | −£29,600 |
| Less: Selling Costs (est. 2.5%) | −£10,723 |
| = CGT Net Gain (5yr) | £18,608 |
| CGT at 24% | £3,746 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 8.3% | 5.3% | £117 | -2.3% |
| Conservative | £2,790 | 9.0% | 6.2% | £644 | 7.0% |
| Base | £3,000 | 9.7% | 6.9% | £967 | 11.2% |
| Optimistic | £3,240 | 10.5% | 7.7% | £1,320 | 16.1% |
| Bull | £3,540 | 11.5% | 8.6% | £1,728 | 22.2% |
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