Sidbury Circular Road, Tidworth, SP9 7HP, SP9 7HP
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 35.4% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £110,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 667 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 | £343 |
| ICR (actual) | 2.77x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £110,000 |
| Deposit (25% — 75% LTV) | £27,500 |
| SDLT (additional property, 5% surcharge) | £5,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £35,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £110,000 | Loan (75% LTV) | £82,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £378 |
| Rent needed (1.5×) | £567/mo | Estimated rent | £949/mo |
| Stress ratio | 2.51× (need ≥ 1.5×) +£382 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 | £1,641 |
| SA net/mo | £1,294 |
| BTL est./mo | £949 |
| SA vs BTL uplift | +£692/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £118,458 | +£8,458 | £31,371 | +£3,871 (3.5%) |
| 5 years | £124,455 | +£14,455 | £35,839 | +£8,339 (7.6%) |
| 7 years | £130,755 | +£20,755 | £40,533 | +£13,033 (11.8%) |
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 | £11,385 | £113,300 | £7,752 | £3,627 | £6,927 | 18.7% |
| Yr 3 | £11,961 | £120,200 | £8,167 | £11,502 | £21,701 | 58.5% |
| Yr 5 | £12,567 | £127,520 | £8,603 | £20,237 | £37,757 | 101.8% |
| Yr 10 | £14,218 | £147,831 | £9,792 | £46,136 | £83,967 | 226.3% |
| Yr 15 | £16,087 | £171,376 | £11,137 | £78,442 | £139,818 | 376.9% |
| Yr 20 | £18,201 | £198,672 | £12,659 | £117,995 | £206,667 | 557.1% |
| Yr 25 | £20,592 | £230,316 | £14,381 | £165,748 | £286,064 | 771.1% |
| Yr 30 | £23,298 | £266,999 | £16,330 | £222,779 | £379,778 | 1023.7% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SP9 7 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £807 | 8.8% | 5.3% | £40 | -2.0% |
| Conservative | £883 | 9.6% | 6.3% | £203 | 7.5% |
| Base | £949 | 10.4% | 7.0% | £302 | 11.7% |
| Optimistic | £1,025 | 11.2% | 7.9% | £412 | 16.4% |
| Bull | £1,120 | 12.2% | 8.9% | £539 | 22.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.35% |
| Net Yield | ●7.05% |
| Net Annual Income | £7,754 |
| Deductions: void 8% (−£911) · mgmt 10% (−£1,138) · maint 10% (−£1,138) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£303 |
| Cash-on-Cash Return | ●9.78% |
| 5-Year IRR | ●11.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,912 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £807 | 8.8% | 5.3% | £40 | -2.0% |
| Conservative | £883 | 9.6% | 6.3% | £203 | 7.5% |
| Base | £949 | 10.4% | 7.0% | £302 | 11.7% |
| Optimistic | £1,025 | 11.2% | 7.9% | £412 | 16.4% |
| Bull | £1,120 | 12.2% | 8.9% | £539 | 22.5% |