Winton Street, Southampton
Town House · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 36.6% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £260,000
- Property Type
- Town House
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1216 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 — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £811 |
| ICR (actual) | 2.32x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £260,000 |
| Deposit (25% — 75% LTV) | £65,000 |
| SDLT (additional property, 5% surcharge) | £16,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £83,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £260,000 | Loan (75% LTV) | £195,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £894 |
| Rent needed (1.5×) | £1,341/mo | Estimated rent | £1,878/mo |
| Stress ratio | 2.1× (need ≥ 1.5×) +£537 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 | £950 |
| SA net/mo | £686 |
| BTL est./mo | £1,878 |
| SA vs BTL uplift | £-928/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £279,992 | +£19,992 | £75,214 | +£10,214 (3.9%) |
| 5 years | £294,166 | +£34,166 | £85,774 | +£20,774 (8.0%) |
| 7 years | £309,058 | +£49,058 | £96,868 | +£31,868 (12.3%) |
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 | £22,542 | £267,800 | £15,785 | £6,035 | £13,835 | 16.3% |
| Yr 3 | £23,683 | £284,109 | £16,607 | £19,333 | £43,442 | 51.0% |
| Yr 5 | £24,882 | £301,411 | £17,470 | £34,336 | £75,748 | 89.0% |
| Yr 10 | £28,152 | £349,418 | £19,824 | £79,884 | £169,302 | 198.9% |
| Yr 15 | £31,851 | £405,072 | £22,488 | £138,114 | £283,186 | 332.8% |
| Yr 20 | £36,037 | £469,589 | £25,501 | £210,696 | £420,285 | 493.9% |
| Yr 25 | £40,772 | £544,382 | £28,911 | £299,514 | £583,896 | 686.1% |
| Yr 30 | £46,130 | £631,088 | £32,769 | £406,701 | £777,790 | 914.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SO14 3 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,596 | 7.4% | 4.6% | £-56 | -4.9% |
| Conservative | £1,747 | 8.1% | 5.5% | £292 | 5.1% |
| Base | £1,878 | 8.7% | 6.1% | £503 | 9.4% |
| Optimistic | £2,028 | 9.4% | 6.8% | £733 | 14.4% |
| Bull | £2,216 | 10.2% | 7.6% | £997 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.67% |
| Net Yield | ●6.07% |
| Net Annual Income | £15,781 |
| Deductions: void 8% (−£1,803) · mgmt 10% (−£2,254) · maint 10% (−£2,254) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £811 |
| Monthly Cashflow (IO) | ●£504 |
| Cash-on-Cash Return | ●7.09% |
| 5-Year IRR | ●9.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,950 |
| SPV Annual Saving | £3,754 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,596 | 7.4% | 4.6% | £-56 | -4.9% |
| Conservative | £1,747 | 8.1% | 5.5% | £292 | 5.1% |
| Base | £1,878 | 8.7% | 6.1% | £503 | 9.4% |
| Optimistic | £2,028 | 9.4% | 6.8% | £733 | 14.4% |
| Bull | £2,216 | 10.2% | 7.6% | £997 | 20.8% |