Farnworth Road, Rotherham
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 56.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £67,500
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 904 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £211 |
| ICR (actual) | 2.88x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £67,500 |
| Deposit (25% — 75% LTV) | £16,875 |
| SDLT (additional property, 5% surcharge) | £3,375 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £23,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £67,500 | Loan (75% LTV) | £50,625 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £232 |
| Rent needed (1.5×) | £348/mo | Estimated rent | £607/mo |
| Stress ratio | 2.62× (need ≥ 1.5×) +£259 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 | £1,373 |
| SA net/mo | £1,058 |
| BTL est./mo | £607 |
| SA vs BTL uplift | +£766/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £72,690 | +£5,190 | £18,949 | +£2,074 (3.1%) |
| 5 years | £76,370 | +£8,870 | £21,691 | +£4,816 (7.1%) |
| 7 years | £80,236 | +£12,736 | £24,571 | +£7,696 (11.4%) |
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 | £7,283 | £69,525 | £4,799 | £2,268 | £4,293 | 17.6% |
| Yr 3 | £7,652 | £73,759 | £5,064 | £7,200 | £13,459 | 55.3% |
| Yr 5 | £8,039 | £78,251 | £5,343 | £12,683 | £23,434 | 96.2% |
| Yr 10 | £9,096 | £90,714 | £6,104 | £28,987 | £52,202 | 214.4% |
| Yr 15 | £10,291 | £105,163 | £6,965 | £49,390 | £87,053 | 357.5% |
| Yr 20 | £11,643 | £121,913 | £7,938 | £74,430 | £128,842 | 529.1% |
| Yr 25 | £13,173 | £141,330 | £9,040 | £104,715 | £178,545 | 733.2% |
| Yr 30 | £14,904 | £163,840 | £10,286 | £140,936 | £237,276 | 974.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — S65 3 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £516 | 9.2% | 5.3% | £24 | -3.3% |
| Conservative | £565 | 10.0% | 6.4% | £126 | 6.3% |
| Base | £607 | 10.8% | 7.1% | £189 | 10.3% |
| Optimistic | £656 | 11.7% | 8.0% | £258 | 14.9% |
| Bull | £716 | 12.7% | 9.0% | £339 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.79% |
| Net Yield | ●7.11% |
| Net Annual Income | £4,799 |
| Deductions: void 8% (−£583) · mgmt 10% (−£728) · maint 10% (−£728) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £211 |
| Monthly Cashflow (IO) | ●£189 |
| Cash-on-Cash Return | ●9.31% |
| 5-Year IRR | ●10.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,375 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,375 |
| Section 24 Extra Tax/yr (higher rate) | £506 |
| SPV Annual Saving | £1,258 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £78,251 |
| Less: Purchase Price | −£67,500 |
| Less: Buying Costs (SDLT + legal) | −£5,975 |
| Less: Selling Costs (est. 2.5%) | −£1,956 |
| = CGT Net Gain (5yr) | £2,820 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £516 | 9.2% | 5.3% | £24 | -3.3% |
| Conservative | £565 | 10.0% | 6.4% | £126 | 6.3% |
| Base | £607 | 10.8% | 7.1% | £189 | 10.3% |
| Optimistic | £656 | 11.7% | 8.0% | £258 | 14.9% |
| Bull | £716 | 12.7% | 9.0% | £339 | 20.8% |