Meadow Road, Barlaston, Stoke-On-Trent
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 53.8% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £140,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 952 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 | £437 |
| ICR (actual) | 2.18x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £140,000 |
| Deposit (25% — 75% LTV) | £35,000 |
| SDLT (additional property, 5% surcharge) | £7,300 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £45,299 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £140,000 | Loan (75% LTV) | £105,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £481 |
| Rent needed (1.5×) | £722/mo | Estimated rent | £951/mo |
| Stress ratio | 1.98× (need ≥ 1.5×) +£229 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 | £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 | £150,765 | +£10,765 | £40,140 | +£5,140 (3.7%) |
| 5 years | £158,397 | +£18,397 | £45,826 | +£10,826 (7.7%) |
| 7 years | £166,416 | +£26,416 | £51,800 | +£16,800 (12.0%) |
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 | £11,410 | £144,200 | £7,770 | £2,520 | £6,720 | 14.5% |
| Yr 3 | £11,988 | £152,982 | £8,186 | £8,182 | £21,164 | 45.6% |
| Yr 5 | £12,595 | £162,298 | £8,623 | £14,707 | £37,005 | 79.8% |
| Yr 10 | £14,250 | £188,148 | £9,815 | £35,088 | £83,236 | 179.4% |
| Yr 15 | £16,122 | £218,115 | £11,163 | £61,889 | £140,005 | 301.7% |
| Yr 20 | £18,241 | £252,856 | £12,688 | £95,954 | £208,810 | 450.0% |
| Yr 25 | £20,638 | £293,129 | £14,414 | £138,238 | £291,367 | 627.9% |
| Yr 30 | £23,350 | £339,817 | £16,367 | £189,819 | £389,636 | 839.7% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — ST12 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £808 | 6.9% | 4.2% | £-80 | -7.0% |
| Conservative | £884 | 7.6% | 5.0% | £101 | 3.3% |
| Base | £951 | 8.2% | 5.6% | £210 | 7.7% |
| Optimistic | £1,027 | 8.8% | 6.2% | £329 | 12.8% |
| Bull | £1,122 | 9.6% | 7.0% | £466 | 19.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.15% |
| Net Yield | ●5.55% |
| 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 | £437 |
| Monthly Cashflow (IO) | ●£211 |
| Cash-on-Cash Return | ●5.44% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £1,972 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £808 | 6.9% | 4.2% | £-80 | -7.0% |
| Conservative | £884 | 7.6% | 5.0% | £101 | 3.3% |
| Base | £951 | 8.2% | 5.6% | £210 | 7.7% |
| Optimistic | £1,027 | 8.8% | 6.2% | £329 | 12.8% |
| Bull | £1,122 | 9.6% | 7.0% | £466 | 19.2% |