St. Georges Street, Stalybridge
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 12.6% below the comparable sales mean — some negotiation possible but limited margin.
Property Details
- Asking Price
- £155,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 743 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £483 |
| ICR (actual) | 2.15x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £155,000 |
| Deposit (25% — 75% LTV) | £38,750 |
| SDLT (additional property, 5% surcharge) | £8,350 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £50,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £155,000 | Loan (75% LTV) | £116,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £533 |
| Rent needed (1.5×) | £799/mo | Estimated rent | £1,041/mo |
| Stress ratio | 1.95× (need ≥ 1.5×) +£242 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 | £1,339 |
| SA net/mo | £1,028 |
| BTL est./mo | £1,041 |
| SA vs BTL uplift | +£298/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £166,918 | +£11,918 | £44,524 | +£5,774 (3.7%) |
| 5 years | £175,368 | +£20,368 | £50,819 | +£12,069 (7.8%) |
| 7 years | £184,246 | +£29,246 | £57,433 | +£18,683 (12.1%) |
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 | £12,493 | £159,650 | £8,550 | £2,737 | £7,387 | 14.4% |
| Yr 3 | £13,125 | £169,373 | £9,005 | £8,893 | £23,265 | 45.4% |
| Yr 5 | £13,790 | £179,687 | £9,484 | £15,993 | £40,680 | 79.5% |
| Yr 10 | £15,602 | £208,307 | £10,788 | £38,199 | £91,506 | 178.7% |
| Yr 15 | £17,652 | £241,485 | £12,265 | £67,434 | £153,919 | 300.6% |
| Yr 20 | £19,972 | £279,947 | £13,935 | £104,623 | £229,570 | 448.4% |
| Yr 25 | £22,596 | £324,536 | £15,824 | £150,810 | £320,346 | 625.7% |
| Yr 30 | £25,566 | £376,226 | £17,962 | £207,178 | £428,404 | 836.7% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SK15 2 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £885 | 6.9% | 4.2% | £-92 | -7.1% |
| Conservative | £968 | 7.5% | 5.0% | £108 | 3.2% |
| Base | £1,041 | 8.1% | 5.5% | £228 | 7.7% |
| Optimistic | £1,124 | 8.7% | 6.2% | £359 | 12.8% |
| Bull | £1,228 | 9.5% | 6.9% | £509 | 19.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.06% |
| Net Yield | ●5.52% |
| Net Annual Income | £8,549 |
| Deductions: void 8% (−£999) · mgmt 10% (−£1,249) · maint 10% (−£1,249) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £483 |
| Monthly Cashflow (IO) | ●£229 |
| Cash-on-Cash Return | ●5.34% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,350 |
| SDLT Effective Rate | 5.39% |
| SDLT (Company) | £8,350 |
| Section 24 Extra Tax/yr (higher rate) | £1,163 |
| SPV Annual Saving | £2,151 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £179,687 |
| Less: Purchase Price | −£155,000 |
| Less: Buying Costs (SDLT + legal) | −£10,950 |
| Less: Selling Costs (est. 2.5%) | −£4,492 |
| = CGT Net Gain (5yr) | £9,245 |
| CGT at 24% | £1,499 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £885 | 6.9% | 4.2% | £-92 | -7.1% |
| Conservative | £968 | 7.5% | 5.0% | £108 | 3.2% |
| Base | £1,041 | 8.1% | 5.5% | £228 | 7.7% |
| Optimistic | £1,124 | 8.7% | 6.2% | £359 | 12.8% |
| Bull | £1,228 | 9.5% | 6.9% | £509 | 19.2% |