Wharf Road, Gnosall, Stafford, ST20
Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 31.0% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £275,000
- Property Type
- Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1329 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 value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £858 |
| ICR (actual) | 1.11x |
| Feasibility | REFER |
| Notes: Rental coverage 79% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £275,000 |
| Deposit (25% — 75% LTV) | £68,750 |
| SDLT (additional property, 5% surcharge) | £17,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £89,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £275,000 | Loan (75% LTV) | £206,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £945 |
| Rent needed (1.5×) | £1,418/mo | Estimated rent | £951/mo |
| Stress ratio | 1.01× (need ≥ 1.5×) £467 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 | £991 |
| SA net/mo | £722 |
| BTL est./mo | £951 |
| SA vs BTL uplift | +£40/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £296,145 | +£21,145 | £79,598 | +£10,848 (3.9%) |
| 5 years | £311,137 | +£36,137 | £90,767 | +£22,017 (8.0%) |
| 7 years | £326,889 | +£51,889 | £102,502 | +£33,752 (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 ST20 0
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| MOORFIELDS COTTAGE, GOOSEMOOR, ST20 0BD | Detached | 3 | £525,000 | £474 | 04/03/26 | 1.54 mi |
| CROFT COTTAGE, NEWPORT ROAD, ST20 0BN | Detached | 3 | £299,950 | £281 | 12/12/25 | 0.26 mi |
| ROCK COTTAGE, ST20 0PG | Detached | 3 | £370,000 | £374 | 08/12/25 | 2.91 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 | £11,412 | £283,250 | £7,772 | £-2,540 | £5,710 | 6.3% |
| Yr 3 | £11,990 | £300,500 | £8,188 | £-7,000 | £18,500 | 20.5% |
| Yr 5 | £12,597 | £318,800 | £8,625 | £-10,596 | £33,204 | 36.8% |
| Yr 10 | £14,253 | £369,577 | £9,817 | £-15,517 | £79,060 | 87.5% |
| Yr 15 | £16,126 | £428,441 | £11,165 | £-14,016 | £139,425 | 154.3% |
| Yr 20 | £18,245 | £496,681 | £12,691 | £-5,250 | £216,431 | 239.5% |
| Yr 25 | £20,642 | £575,789 | £14,417 | £11,737 | £312,526 | 345.9% |
| Yr 30 | £23,355 | £667,497 | £16,370 | £38,024 | £430,521 | 476.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
🌎 Area Profile — ST20 0 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £808 | 3.5% | 2.1% | £-629 | -17.2% |
| Conservative | £884 | 3.9% | 2.5% | £-363 | -5.1% |
| Base | £951 | 4.1% | 2.8% | £-212 | -0.1% |
| Optimistic | £1,027 | 4.5% | 3.2% | £-50 | 5.6% |
| Bull | £1,122 | 4.9% | 3.6% | £128 | 12.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.15% |
| Net Yield | ●2.83% |
| Net Annual Income | £7,772 |
| Deductions: void 8% (−£913) · mgmt 10% (−£1,141) · maint 10% (−£1,141) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £858 |
| Monthly Cashflow (IO) | ●£-210 |
| Cash-on-Cash Return | ●-2.81% |
| 5-Year IRR | ●-0.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,500 |
| SDLT Effective Rate | 6.36% |
| SDLT (Company) | £17,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,589 |
| SPV Annual Saving | £1,589 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £318,800 |
| Less: Purchase Price | −£275,000 |
| Less: Buying Costs (SDLT + legal) | −£20,100 |
| Less: Selling Costs (est. 2.5%) | −£7,970 |
| = CGT Net Gain (5yr) | £15,730 |
| CGT at 24% | £3,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £808 | 3.5% | 2.1% | £-629 | -17.2% |
| Conservative | £884 | 3.9% | 2.5% | £-363 | -5.1% |
| Base | £951 | 4.1% | 2.8% | £-212 | -0.1% |
| Optimistic | £1,027 | 4.5% | 3.2% | £-50 | 5.6% |
| Bull | £1,122 | 4.9% | 3.6% | £128 | 12.7% |