Stradbroke Road, Sheffield, South Yorkshire, S13
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 22.2% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £90,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 635 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 | £281 |
| ICR (actual) | 2.96x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £90,000 |
| Deposit (25% — 75% LTV) | £22,500 |
| SDLT (additional property, 5% surcharge) | £4,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £29,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £90,000 | Loan (75% LTV) | £67,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £309 |
| Rent needed (1.5×) | £464/mo | Estimated rent | £830/mo |
| Stress ratio | 2.68× (need ≥ 1.5×) +£366 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 | £830 |
| SA vs BTL uplift | +£543/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £96,920 | +£6,920 | £25,526 | +£3,026 (3.4%) |
| 5 years | £101,827 | +£11,827 | £29,181 | +£6,681 (7.4%) |
| 7 years | £106,982 | +£16,982 | £33,021 | +£10,521 (11.7%) |
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 | £9,963 | £92,700 | £6,728 | £3,353 | £6,053 | 19.5% |
| Yr 3 | £10,467 | £98,345 | £7,092 | £10,603 | £18,948 | 60.9% |
| Yr 5 | £10,997 | £104,335 | £7,473 | £18,606 | £32,940 | 105.9% |
| Yr 10 | £12,442 | £120,952 | £8,514 | £42,166 | £73,118 | 235.1% |
| Yr 15 | £14,077 | £140,217 | £9,691 | £71,332 | £121,549 | 390.8% |
| Yr 20 | £15,927 | £162,550 | £11,023 | £106,841 | £179,391 | 576.8% |
| Yr 25 | £18,020 | £188,440 | £12,530 | £149,526 | £247,966 | 797.3% |
| Yr 30 | £20,388 | £218,454 | £14,235 | £200,330 | £328,784 | 1057.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — S13 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £706 | 9.4% | 5.6% | £56 | -1.0% |
| Conservative | £772 | 10.3% | 6.7% | £194 | 8.3% |
| Base | £830 | 11.1% | 7.5% | £279 | 12.3% |
| Optimistic | £896 | 12.0% | 8.4% | £373 | 16.9% |
| Bull | £979 | 13.1% | 9.4% | £482 | 22.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.07% |
| Net Yield | ●7.47% |
| Net Annual Income | £6,726 |
| Deductions: void 8% (−£797) · mgmt 10% (−£996) · maint 10% (−£996) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£280 |
| Cash-on-Cash Return | ●10.77% |
| 5-Year IRR | ●12.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,674 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £706 | 9.4% | 5.6% | £56 | -1.0% |
| Conservative | £772 | 10.3% | 6.7% | £194 | 8.3% |
| Base | £830 | 11.1% | 7.5% | £279 | 12.3% |
| Optimistic | £896 | 12.0% | 8.4% | £373 | 16.9% |
| Bull | £979 | 13.1% | 9.4% | £482 | 22.8% |