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Devonshire Street, Rotherham, S61

Rightmove Sector: S61 2

                    £110,000
                

asking price

vs Benchmark

-21%

below Sector Median

Est. £/sqft

£135

benchmark £167/sqft

Investment Score

7/10

good

Days on Market

days listed

Suggested Offer Range

Low offer

£99,000

£11,000 below asking

Target offer

£102,300

£7,700 below asking

High offer

£106,700

£3,300 below asking

Close to comparable sales mean. Standard 3–10% negotiation range.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £110,000
Property Type: Terraced
Bedrooms: 3
Bathrooms: N/A
Est. Floor Area: 812 sqft (est.)
Article 4 Area: ✓ No restriction — SA permitted under PD rights

-21.4% vs Sector Median (n=55 sales)

This listing is priced below the postcode sector benchmark.

Motivated Seller Analysis

Standard — 3/10

Behavioural signals: 67 days on marketBelow market value

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£343
ICR (actual)	2.14x
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

✓ Passes stress test Rent covers 1.9x monthly interest — lender likely to approve.

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	£734/mo
Stress ratio	1.94× (need ≥ 1.5×) +£167 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.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

✓ Viable

SA gross/mo	£1,545
SA net/mo	£1,210
BTL est./mo	£734
SA vs BTL uplift	+£811/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%)

Break-even Horizon

54 months

Medium-term (3–5 years)

Flip Viability

Marginal

Comp median: £120,000 — margin: +£10,000

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 S61 2

⚠️ Only 2 comparable sale(s) matched 3 bedrooms; showing all property types for context.

Address	Type	Beds	Price	£/sqft	Date	Distance
58, CLAREMONT STREET, S61 2LS	Terraced	2	£120,000	£172	27/02/26	0.43 mi
7, OAKDALE PLACE, S61 2PA	Terraced	2	£130,000	£192	09/02/26	0.61 mi
2, DEEPDALE ROAD, S61 2NT	Terraced	3	£120,000	£129	23/01/26	0.62 mi
134, PETERS YARD, S61 2BG	Terraced	3	£145,000	£142	19/12/25	0.80 mi
79, MEADOWHALL ROAD, S61 2JD	Terraced	2	£98,000	£125	19/12/25	0.87 mi
37, PITT STREET, S61 2LU	Terraced	2	£93,000	£139	15/12/25	0.38 mi
37, CLEMENT MEWS, S61 2JU	Terraced	1	£132,000	£208	28/11/25	0.82 mi
37, PEMBROKE STREET, S61 2LY	Terraced	2	£81,000	£105	17/11/25	0.49 mi
46, PEMBROKE STREET, S61 2LZ	Terraced	2	£75,000	£97	05/11/25	0.51 mi
35, CARR VIEW ROAD, S61 2BJ	Terraced	2	£190,000	£213	27/10/25	1.30 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.

10-Year Projection

Break-even: Year 1 5yr IRR: 6.9%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£8,811	£113,300	£5,899	£1,774	£5,074	13.7%
Yr 3	£9,257	£120,200	£6,220	£5,802	£16,001	43.1%
Yr 5	£9,726	£127,520	£6,558	£10,496	£28,016	75.5%
Yr 10	£11,004	£147,831	£7,478	£25,373	£63,204	170.4%
Yr 15	£12,450	£171,376	£8,519	£45,209	£106,585	287.3%
Yr 20	£14,086	£198,672	£9,697	£70,653	£159,326	429.4%
Yr 25	£15,937	£230,316	£11,029	£102,444	£222,760	600.4%
Yr 30	£18,031	£266,999	£12,537	£141,415	£298,414	804.4%

ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.

🌎 Area Profile — S61 2 ⓘ What are deciles?

IMD (Overall)

                8/10
            

Low deprivation

Crime

                9/10
            

Low deprivation

Income

                8/10
            

Low deprivation

Employment

                7/10
            

Low deprivation

Education

                8/10
            

Low deprivation

Housing Barriers

                4/10
            

Mid deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

5.4%

Gross:8.0%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 1/10

SDLT (Additional)

£5,500

5.0% effective rate · Company: £5,500

Void Risk

High

~6 weeks/year

Statistical CI (65%)

£107,751 –£129,049

vs Comparable Mean:-7.1%· n=10

Best Strategy

Serviced Accommodation

£867/mo

📊 S61 market data →

SPV Tax Saving

£1,551/yr

Breakeven: — years

5-Year IRR

6.9%

IRR — Moderate

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£624	6.8%	4.0%	£-78	-8.1%
Conservative	£683	7.4%	4.8%	£63	2.4%
Base	£734	8.0%	5.4%	£148	6.9%
Optimistic	£793	8.6%	6.0%	£240	11.9%
Bull	£866	9.4%	6.8%	£346	18.4%

⚠ Condition Flags

Renovation Opportunity (OPPORTUNITY)

Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties

Detailed Analysis

💸 Yield & Returns

Gross Yield	●8.01%
Net Yield	●5.36%
Net Annual Income	£5,897
Deductions: void 8% (−£705) · mgmt 10% (−£881) · maint 10% (−£881) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage	£343
Monthly Cashflow (IO)	●£148
Cash-on-Cash Return	●4.78%
5-Year IRR	●6.9%

● 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	£1,551
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	£624	6.8%	4.0%	£-78	-8.1%
Conservative	£683	7.4%	4.8%	£63	2.4%
Base	£734	8.0%	5.4%	£148	6.9%
Optimistic	£793	8.6%	6.0%	£240	11.9%
Bull	£866	9.4%	6.8%	£346	18.4%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

Devonshire Street, Rotherham, S61