Stanley Street, Castletown
Terraced · 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
- £99,999
- 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.
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 146 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £312 |
| ICR (actual) | 2.43x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £99,999 |
| Deposit (25% — 75% LTV) | £24,999 |
| SDLT (additional property, 5% surcharge) | £5,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,998 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £99,999 | Loan (75% LTV) | £74,999 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £344 |
| Rent needed (1.5×) | £516/mo | Estimated rent | £757/mo |
| Stress ratio | 2.2× (need ≥ 1.5×) +£241 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 | £912 |
| SA net/mo | £653 |
| BTL est./mo | £757 |
| SA vs BTL uplift | +£155/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £107,688 | +£7,689 | £28,448 | +£3,448 (3.4%) |
| 5 years | £113,140 | +£13,141 | £32,510 | +£7,510 (7.5%) |
| 7 years | £118,867 | +£18,868 | £36,777 | +£11,777 (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 | £9,080 | £102,999 | £6,093 | £2,343 | £5,343 | 15.7% |
| Yr 3 | £9,540 | £109,272 | £6,423 | £7,522 | £16,795 | 49.3% |
| Yr 5 | £10,023 | £115,926 | £6,771 | £13,389 | £29,316 | 86.0% |
| Yr 10 | £11,340 | £134,390 | £7,719 | £31,293 | £65,684 | 192.6% |
| Yr 15 | £12,830 | £155,795 | £8,792 | £54,306 | £110,102 | 322.9% |
| Yr 20 | £14,516 | £180,609 | £10,006 | £83,100 | £163,710 | 480.1% |
| Yr 25 | £16,423 | £209,376 | £11,380 | £118,434 | £227,810 | 668.1% |
| Yr 30 | £18,581 | £242,724 | £12,933 | £161,167 | £303,891 | 891.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SR5 5 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 7.7% | 4.6% | £-25 | -5.6% |
| Conservative | £704 | 8.4% | 5.5% | £112 | 4.4% |
| Base | £757 | 9.1% | 6.1% | £195 | 8.7% |
| Optimistic | £818 | 9.8% | 6.8% | £287 | 13.6% |
| Bull | £893 | 10.7% | 7.7% | £392 | 19.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.08% |
| Net Yield | ●6.1% |
| Net Annual Income | £6,095 |
| Deductions: void 8% (−£726) · mgmt 10% (−£908) · maint 10% (−£908) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£196 |
| Cash-on-Cash Return | ●6.88% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,571 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,926 |
| Less: Purchase Price | −£99,999 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 7.7% | 4.6% | £-25 | -5.6% |
| Conservative | £704 | 8.4% | 5.5% | £112 | 4.4% |
| Base | £757 | 9.1% | 6.1% | £195 | 8.7% |
| Optimistic | £818 | 9.8% | 6.8% | £287 | 13.6% |
| Bull | £893 | 10.7% | 7.7% | £392 | 19.9% |