Hall Street, Stockport, SK1 4DA, SK1 4DA
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £117,500
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 495 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: 96 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £366 |
| ICR (actual) | 2.15x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £117,500 |
| Deposit (25% — 75% LTV) | £29,375 |
| SDLT (additional property, 5% surcharge) | £5,875 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £38,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £117,500 | Loan (75% LTV) | £88,125 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £404 |
| Rent needed (1.5×) | £606/mo | Estimated rent | £789/mo |
| Stress ratio | 1.95× (need ≥ 1.5×) +£183 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 | £1,150 |
| SA net/mo | £862 |
| BTL est./mo | £789 |
| SA vs BTL uplift | +£361/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £126,535 | +£9,035 | £33,563 | +£4,188 (3.6%) |
| 5 years | £132,940 | +£15,440 | £38,336 | +£8,961 (7.6%) |
| 7 years | £139,671 | +£22,171 | £43,350 | +£13,975 (11.9%) |
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 | £9,471 | £121,025 | £6,374 | £1,968 | £5,493 | 14.0% |
| Yr 3 | £9,950 | £128,395 | £6,719 | £6,418 | £17,314 | 44.0% |
| Yr 5 | £10,454 | £136,215 | £7,082 | £11,585 | £30,300 | 77.0% |
| Yr 10 | £11,827 | £157,910 | £8,071 | £27,881 | £68,291 | 173.5% |
| Yr 15 | £13,382 | £183,061 | £9,190 | £49,505 | £115,066 | 292.4% |
| Yr 20 | £15,140 | £212,218 | £10,456 | £77,158 | £171,876 | 436.8% |
| Yr 25 | £17,130 | £246,019 | £11,888 | £111,632 | £240,151 | 610.3% |
| Yr 30 | £19,381 | £285,203 | £13,509 | £153,824 | £321,528 | 817.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SK1 4 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £671 | 6.8% | 4.1% | £-79 | -7.7% |
| Conservative | £734 | 7.5% | 4.9% | £73 | 2.7% |
| Base | £789 | 8.1% | 5.4% | £164 | 7.2% |
| Optimistic | £852 | 8.7% | 6.1% | £263 | 12.3% |
| Bull | £931 | 9.5% | 6.8% | £377 | 18.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.06% |
| Net Yield | ●5.42% |
| Net Annual Income | £6,372 |
| Deductions: void 8% (−£758) · mgmt 10% (−£947) · maint 10% (−£947) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £366 |
| Monthly Cashflow (IO) | ●£165 |
| Cash-on-Cash Return | ●5.0% |
| 5-Year IRR | ●7.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,875 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,875 |
| Section 24 Extra Tax/yr (higher rate) | £881 |
| SPV Annual Saving | £1,658 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £136,215 |
| Less: Purchase Price | −£117,500 |
| Less: Buying Costs (SDLT + legal) | −£8,475 |
| Less: Selling Costs (est. 2.5%) | −£3,405 |
| = CGT Net Gain (5yr) | £6,835 |
| CGT at 24% | £920 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £671 | 6.8% | 4.1% | £-79 | -7.7% |
| Conservative | £734 | 7.5% | 4.9% | £73 | 2.7% |
| Base | £789 | 8.1% | 5.4% | £164 | 7.2% |
| Optimistic | £852 | 8.7% | 6.1% | £263 | 12.3% |
| Bull | £931 | 9.5% | 6.8% | £377 | 18.7% |