South Worple Way, East Sheen, SW14
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 52.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £895,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1905 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 | £2,791 |
| ICR (actual) | 0.94x |
| Feasibility | REFER |
| Notes: Rental coverage 67% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £895,000 |
| Deposit (25% — 75% LTV) | £223,750 |
| SDLT (additional property, 5% surcharge) | £79,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £306,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £895,000 | Loan (75% LTV) | £671,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £3,077 |
| Rent needed (1.5×) | £4,615/mo | Estimated rent | £2,614/mo |
| Stress ratio | 0.85× (need ≥ 1.5×) £2001 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 | £2,010 |
| SA net/mo | £1,619 |
| BTL est./mo | £2,610 |
| SA vs BTL uplift | £-600/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £963,817 | +£68,817 | £260,814 | +£37,064 (4.1%) |
| 5 years | £1,012,610 | +£117,610 | £297,165 | +£73,415 (8.2%) |
| 7 years | £1,063,874 | +£168,874 | £335,356 | +£111,606 (12.5%) |
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 SW14 8
⚠️ Only 1 comparable sale(s) matched 3 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 172, SHEEN LANE, SW14 8LZ | Semi | 4 | £1,550,000 | £935 | 03/10/25 | 0.39 mi |
| 22, GORDON AVENUE, SW14 8DZ | Semi | 4 | £1,475,000 | £1161 | 26/09/25 | 0.25 mi |
| 126, PALEWELL PARK, SW14 8JH | Semi | 5 | £2,335,000 | £885 | 23/09/25 | 0.44 mi |
| 109, RICHMOND PARK ROAD, SW14 8JY | Semi | 5 | £1,745,000 | £926 | 26/08/25 | 0.47 mi |
| 8, PARK AVENUE, SW14 8AT | Semi | 5 | £2,145,000 | £834 | 26/08/25 | 0.34 mi |
| 5, CLARE LAWN AVENUE, SW14 8BH | Semi | 5 | £2,600,000 | £866 | 29/07/25 | 0.68 mi |
| 197, SHEEN LANE, SW14 8LE | Semi | 5 | £1,950,000 | £1035 | 25/07/25 | 0.50 mi |
| 88, EAST SHEEN AVENUE, SW14 8AU | Semi | 5 | £2,825,000 | £951 | 02/07/25 | 0.43 mi |
| 28, PRINCES ROAD, SW14 8PE | Semi | 3 | £885,000 | £839 | 16/06/25 | < 0.1 mi |
| 2, VERNON ROAD, SW14 8NH | Semi | 5 | £1,510,000 | £719 | 13/06/25 | 0.17 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 | £31,325 | £921,850 | £22,109 | £-11,454 | £15,396 | 5.0% |
| Yr 3 | £32,911 | £977,991 | £23,251 | £-32,655 | £50,336 | 16.4% |
| Yr 5 | £34,577 | £1,037,550 | £24,450 | £-51,486 | £91,064 | 29.6% |
| Yr 10 | £39,121 | £1,202,805 | £27,722 | £-87,394 | £220,411 | 71.7% |
| Yr 15 | £44,261 | £1,394,381 | £31,423 | £-105,676 | £393,705 | 128.1% |
| Yr 20 | £50,078 | £1,616,470 | £35,611 | £-104,016 | £617,454 | 200.9% |
| Yr 25 | £56,658 | £1,873,931 | £40,349 | £-79,793 | £899,138 | 292.5% |
| Yr 30 | £64,104 | £2,172,400 | £45,710 | £-30,043 | £1,247,356 | 405.8% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SW14 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,222 | 3.0% | 1.9% | £-2,229 | -19.1% |
| Conservative | £2,431 | 3.3% | 2.2% | £-1,412 | -7.1% |
| Base | £2,614 | 3.5% | 2.5% | £-952 | -2.0% |
| Optimistic | £2,823 | 3.8% | 2.8% | £-465 | 3.7% |
| Bull | £3,085 | 4.1% | 3.1% | £70 | 10.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●3.5% |
| Net Yield | ●2.47% |
| Net Annual Income | £22,140 |
| Deductions: void 8% (−£2,506) · mgmt 10% (−£3,132) · maint 10% (−£3,132) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,791 |
| Monthly Cashflow (IO) | ●£-946 |
| Cash-on-Cash Return | ●-3.72% |
| 5-Year IRR | ●-2.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £79,500 |
| SDLT Effective Rate | 8.88% |
| SDLT (Company) | £134,250 |
| Section 24 Extra Tax/yr (higher rate) | £3,325 |
| SPV Annual Saving | £3,325 |
| SPV Breakeven | 16.5 yrs |
| CGT Projected Sale (5yr) | £1,037,550 |
| Less: Purchase Price | −£895,000 |
| Less: Buying Costs (SDLT + legal) | −£82,100 |
| Less: Selling Costs (est. 2.5%) | −£25,939 |
| = CGT Net Gain (5yr) | £34,511 |
| CGT at 24% | £7,563 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,222 | 3.0% | 1.9% | £-2,229 | -19.1% |
| Conservative | £2,431 | 3.3% | 2.2% | £-1,412 | -7.1% |
| Base | £2,614 | 3.5% | 2.5% | £-952 | -2.0% |
| Optimistic | £2,823 | 3.8% | 2.8% | £-465 | 3.7% |
| Bull | £3,085 | 4.1% | 3.1% | £70 | 10.9% |