Hampton Court, Quidhampton
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 17.2% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £329,950
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 965 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 1/10Behavioural signals: 70 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,029 |
| ICR (actual) | 1.16x |
| Feasibility | REFER |
| Notes: Rental coverage 83% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £329,950 |
| Deposit (25% — 75% LTV) | £82,487 |
| SDLT (additional property, 5% surcharge) | £22,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £108,481 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £329,950 | Loan (75% LTV) | £247,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,134 |
| Rent needed (1.5×) | £1,701/mo | Estimated rent | £1,190/mo |
| Stress ratio | 1.05× (need ≥ 1.5×) £511 shortfall | ||
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 | £1,164 |
| SA net/mo | £874 |
| BTL est./mo | £1,191 |
| SA vs BTL uplift | £-27/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £355,320 | +£25,370 | £95,659 | +£13,171 (4.0%) |
| 5 years | £373,308 | +£43,358 | £109,060 | +£26,573 (8.1%) |
| 7 years | £392,207 | +£62,257 | £123,140 | +£40,652 (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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Location
Comparable Sales in SP2 7
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 20, CHURCHFIELDS ROAD, SP2 7NH | Semi | 3 | £510,000 | £419 | 14/01/26 | 1.76 mi |
| 50, RECTORY ROAD, SP2 7SD | Semi | 3 | £380,000 | £401 | 12/12/25 | 1.91 mi |
| 21, ST GREGORYS AVENUE, SP2 7JP | Semi | 3 | £410,000 | £373 | 04/12/25 | 1.16 mi |
| 21, ST GREGORYS AVENUE, SP2 7JP | Semi | 3 | £410,000 | £373 | 04/12/25 | 1.16 mi |
| 174, DEVIZES ROAD, SP2 7LT | Semi | 3 | £282,500 | £232 | 14/11/25 | 1.56 mi |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
📈 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 | £14,287 | £339,848 | £9,842 | £-2,532 | £7,367 | 6.7% |
| Yr 3 | £15,010 | £360,545 | £10,362 | £-6,817 | £23,778 | 21.7% |
| Yr 5 | £15,770 | £382,502 | £10,909 | £-10,021 | £42,531 | 38.8% |
| Yr 10 | £17,842 | £443,425 | £12,401 | £-12,937 | £100,538 | 91.7% |
| Yr 15 | £20,187 | £514,051 | £14,090 | £-7,815 | £176,287 | 160.9% |
| Yr 20 | £22,840 | £595,926 | £16,000 | £6,403 | £272,380 | 248.6% |
| Yr 25 | £25,841 | £690,842 | £18,160 | £30,911 | £391,803 | 357.5% |
| Yr 30 | £29,237 | £800,875 | £20,605 | £67,062 | £537,988 | 490.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SP2 7 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,012 | 3.7% | 2.3% | £-720 | -16.7% |
| Conservative | £1,107 | 4.0% | 2.7% | £-397 | -4.9% |
| Base | £1,190 | 4.3% | 3.0% | £-211 | 0.2% |
| Optimistic | £1,285 | 4.7% | 3.3% | £-14 | 5.8% |
| Bull | £1,404 | 5.1% | 3.7% | £205 | 12.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.33% |
| Net Yield | ●2.98% |
| Net Annual Income | £9,837 |
| Deductions: void 8% (−£1,143) · mgmt 10% (−£1,429) · maint 10% (−£1,429) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,029 |
| Monthly Cashflow (IO) | ●£-209 |
| Cash-on-Cash Return | ●-2.31% |
| 5-Year IRR | ●0.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,995 |
| SDLT Effective Rate | 6.97% |
| SDLT (Company) | £22,995 |
| Section 24 Extra Tax/yr (higher rate) | £2,095 |
| SPV Annual Saving | £2,095 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £382,502 |
| Less: Purchase Price | −£329,950 |
| Less: Buying Costs (SDLT + legal) | −£25,595 |
| Less: Selling Costs (est. 2.5%) | −£9,563 |
| = CGT Net Gain (5yr) | £17,394 |
| CGT at 24% | £3,455 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,012 | 3.7% | 2.3% | £-720 | -16.7% |
| Conservative | £1,107 | 4.0% | 2.7% | £-397 | -4.9% |
| Base | £1,190 | 4.3% | 3.0% | £-211 | 0.2% |
| Optimistic | £1,285 | 4.7% | 3.3% | £-14 | 5.8% |
| Bull | £1,404 | 5.1% | 3.7% | £205 | 12.8% |