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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 33% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £150 |
| Bedroom 2 | £150 |
| Bedroom 3 | £150 |
| Bedroom 4 | £150 |
| Total Estimated Refurb | £1,800 |
⚠ 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 | Construction company | A.D.Williamson & Sons, Stockport | 0161 768 0520 | — |
| photographer | Stockport Photographer - Venture Photography Studios | 0161 4314040 | — |
Property Details
- Asking Price
- £289,950
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 4 | — | — | — | — |
| Sector sale 2 | Detached | 4 | — | — | — | — |
| Sector sale 3 | Detached | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 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.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 103 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £904 |
| ICR (actual) | 1.53x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 109% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £289,950 |
| Deposit (25% — 75% LTV) | £72,487 |
| SDLT (additional property, 5% surcharge) | £18,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £94,481 |
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 | £289,950 | Loan (75% LTV) | £217,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £997 |
| Rent needed (1.5×) | £1,495/mo | Estimated rent | £1,382/mo |
| Stress ratio | 1.39× (need ≥ 1.5×) £113 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) | £447,000 |
| 75% remortgage | £335,250 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-499/mo |
| Gross margin | +£157,050 |
| Reno cost (est.) | –£1,800 |
| Buy + sell costs | –£29,300 |
| Net profit | +£125,950 (169.5% ROI) |
| SA gross/mo | £1,365 |
| SA net/mo | £1,051 |
| BTL est./mo | £1,382 |
| SA vs BTL uplift | £-17/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £312,244 | +£22,294 | £83,968 | +£11,480 (4.0%) |
| 5 years | £328,052 | +£38,102 | £95,744 | +£23,257 (8.0%) |
| 7 years | £344,659 | +£54,709 | £108,117 | +£35,629 (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 | £16,585 | £298,648 | £11,496 | £623 | £9,322 | 9.8% |
| Yr 3 | £17,425 | £316,836 | £12,101 | £2,773 | £29,659 | 31.0% |
| Yr 5 | £18,307 | £336,132 | £12,736 | £6,177 | £52,358 | 54.8% |
| Yr 10 | £20,713 | £389,669 | £14,468 | £20,602 | £120,320 | 125.9% |
| Yr 15 | £23,434 | £451,733 | £16,428 | £44,359 | £206,141 | 215.7% |
| Yr 20 | £26,514 | £523,682 | £18,645 | £78,674 | £312,406 | 326.8% |
| Yr 25 | £29,998 | £607,091 | £21,154 | £124,935 | £442,076 | 462.5% |
| Yr 30 | £33,940 | £703,785 | £23,992 | £184,712 | £598,546 | 626.2% |
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
🌎 Area Profile — North West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,175 | 4.9% | 3.0% | £-451 | -12.8% |
| Conservative | £1,285 | 5.3% | 3.6% | £-134 | -1.6% |
| Base | £1,382 | 5.7% | 4.0% | £52 | 3.2% |
| Optimistic | £1,493 | 6.2% | 4.4% | £252 | 8.6% |
| Bull | £1,631 | 6.7% | 5.0% | £477 | 15.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.72% |
| Net Yield | ●3.96% |
| Net Annual Income | £11,495 |
| Deductions: void 8% (−£1,327) · mgmt 10% (−£1,659) · maint 10% (−£1,659) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£54 |
| Cash-on-Cash Return | ●0.65% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,995 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £18,995 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £2,977 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,132 |
| Less: Purchase Price | −£289,950 |
| Less: Buying Costs (SDLT + legal) | −£21,595 |
| Less: Selling Costs (est. 2.5%) | −£8,403 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,175 | 4.9% | 3.0% | £-451 | -12.8% |
| Conservative | £1,285 | 5.3% | 3.6% | £-134 | -1.6% |
| Base | £1,382 | 5.7% | 4.0% | £52 | 3.2% |
| Optimistic | £1,493 | 6.2% | 4.4% | £252 | 8.6% |
| Bull | £1,631 | 6.7% | 5.0% | £477 | 15.4% |