The Clough, Stockport
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 23.8% 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
- £150,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- 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
Standard — 3/10Behavioural signals: Below market valueTenanted investment
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £468 |
| ICR (actual) | 2.63x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £150,000 |
| Deposit (25% — 75% LTV) | £37,500 |
| SDLT (additional property, 5% surcharge) | £8,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £48,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £150,000 | Loan (75% LTV) | £112,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £516 |
| Rent needed (1.5×) | £773/mo | Estimated rent | £1,229/mo |
| Stress ratio | 2.38× (need ≥ 1.5×) +£456 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 | £1,229 |
| SA vs BTL uplift | +£89/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £161,534 | +£11,534 | £43,063 | +£5,563 (3.7%) |
| 5 years | £169,711 | +£19,711 | £49,155 | +£11,655 (7.8%) |
| 7 years | £178,303 | +£28,303 | £55,556 | +£18,056 (12.0%) |
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 | £14,745 | £154,500 | £10,171 | £4,546 | £9,046 | 18.2% |
| Yr 3 | £15,491 | £163,909 | £10,709 | £14,442 | £28,351 | 57.2% |
| Yr 5 | £16,276 | £173,891 | £11,274 | £25,453 | £49,344 | 99.5% |
| Yr 10 | £18,414 | £201,587 | £12,813 | £58,240 | £109,827 | 221.4% |
| Yr 15 | £20,834 | £233,695 | £14,556 | £99,323 | £183,018 | 369.0% |
| Yr 20 | £23,572 | £270,917 | £16,527 | £149,792 | £270,709 | 545.8% |
| Yr 25 | £26,670 | £314,067 | £18,757 | £210,882 | £374,949 | 755.9% |
| Yr 30 | £30,174 | £364,089 | £21,280 | £283,989 | £498,078 | 1004.2% |
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 | 8.4% | 5.1% | £33 | -2.5% |
| Conservative | £1,143 | 9.1% | 6.1% | £247 | 7.1% |
| Base | £1,229 | 9.8% | 6.8% | £379 | 11.4% |
| Optimistic | £1,327 | 10.6% | 7.6% | £523 | 16.2% |
| Bull | £1,450 | 11.6% | 8.5% | £690 | 22.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.83% |
| Net Yield | ●6.78% |
| Net Annual Income | £10,174 |
| Deductions: void 8% (−£1,180) · mgmt 10% (−£1,474) · maint 10% (−£1,474) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£380 |
| Cash-on-Cash Return | ●9.17% |
| 5-Year IRR | ●11.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,457 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,045 | 8.4% | 5.1% | £33 | -2.5% |
| Conservative | £1,143 | 9.1% | 6.1% | £247 | 7.1% |
| Base | £1,229 | 9.8% | 6.8% | £379 | 11.4% |
| Optimistic | £1,327 | 10.6% | 7.6% | £523 | 16.2% |
| Bull | £1,450 | 11.6% | 8.5% | £690 | 22.3% |