Foliage Gardens, Stockport
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £180,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 796 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 69 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £561 |
| ICR (actual) | 2.19x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £180,000 |
| Deposit (25% — 75% LTV) | £45,000 |
| SDLT (additional property, 5% surcharge) | £10,100 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £58,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £180,000 | Loan (75% LTV) | £135,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £619 |
| Rent needed (1.5×) | £928/mo | Estimated rent | £1,229/mo |
| Stress ratio | 1.99× (need ≥ 1.5×) +£301 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 | £1,318 |
| SA net/mo | £1,010 |
| BTL est./mo | £1,228 |
| SA vs BTL uplift | +£90/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £193,840 | +£13,840 | £51,831 | +£6,831 (3.8%) |
| 5 years | £203,653 | +£23,653 | £59,142 | +£14,142 (7.9%) |
| 7 years | £213,963 | +£33,963 | £66,823 | +£21,823 (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 | £14,742 | £185,400 | £10,169 | £3,419 | £8,819 | 14.9% |
| Yr 3 | £15,488 | £196,691 | £10,707 | £11,060 | £27,751 | 46.9% |
| Yr 5 | £16,272 | £208,669 | £11,271 | £19,817 | £48,486 | 81.9% |
| Yr 10 | £18,411 | £241,905 | £12,811 | £46,965 | £108,870 | 183.9% |
| Yr 15 | £20,830 | £280,434 | £14,553 | £82,409 | £182,843 | 308.9% |
| Yr 20 | £23,567 | £325,100 | £16,523 | £127,237 | £272,337 | 460.0% |
| Yr 25 | £26,664 | £376,880 | £18,753 | £182,684 | £379,564 | 641.2% |
| Yr 30 | £30,168 | £436,907 | £21,276 | £250,144 | £507,051 | 856.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SK5 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,045 | 7.0% | 4.3% | £-89 | -6.5% |
| Conservative | £1,143 | 7.6% | 5.1% | £144 | 3.7% |
| Base | £1,229 | 8.2% | 5.7% | £285 | 8.2% |
| Optimistic | £1,327 | 8.8% | 6.3% | £439 | 13.2% |
| Bull | £1,450 | 9.7% | 7.1% | £615 | 19.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.19% |
| Net Yield | ●5.65% |
| Net Annual Income | £10,174 |
| Deductions: void 8% (−£1,179) · mgmt 10% (−£1,474) · maint 10% (−£1,474) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£287 |
| Cash-on-Cash Return | ●5.78% |
| 5-Year IRR | ●8.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,513 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,045 | 7.0% | 4.3% | £-89 | -6.5% |
| Conservative | £1,143 | 7.6% | 5.1% | £144 | 3.7% |
| Base | £1,229 | 8.2% | 5.7% | £285 | 8.2% |
| Optimistic | £1,327 | 8.8% | 6.3% | £439 | 13.2% |
| Bull | £1,450 | 9.7% | 7.1% | £615 | 19.7% |