Churnet View, Rocester, Staffordshire
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 37.0% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £129,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 802 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Active — 7/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £405 |
| ICR (actual) | 2.25x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £129,950 |
| Deposit (25% — 75% LTV) | £32,487 |
| SDLT (additional property, 5% surcharge) | £6,596 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £42,082 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £129,950 | Loan (75% LTV) | £97,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £447 |
| Rent needed (1.5×) | £670/mo | Estimated rent | £910/mo |
| Stress ratio | 2.04× (need ≥ 1.5×) +£240 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 | £1,006 |
| SA net/mo | £735 |
| BTL est./mo | £910 |
| SA vs BTL uplift | +£96/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £139,942 | +£9,992 | £37,202 | +£4,715 (3.6%) |
| 5 years | £147,026 | +£17,076 | £42,480 | +£9,993 (7.7%) |
| 7 years | £154,470 | +£24,520 | £48,025 | +£15,538 (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 | £10,916 | £133,848 | £7,414 | £2,541 | £6,440 | 14.9% |
| Yr 3 | £11,468 | £142,000 | £7,812 | £8,218 | £20,268 | 46.9% |
| Yr 5 | £12,049 | £150,648 | £8,230 | £14,721 | £35,419 | 82.0% |
| Yr 10 | £13,632 | £174,642 | £9,370 | £34,870 | £79,562 | 184.2% |
| Yr 15 | £15,424 | £202,458 | £10,660 | £61,162 | £133,670 | 309.5% |
| Yr 20 | £17,451 | £234,704 | £12,119 | £94,403 | £199,157 | 461.2% |
| Yr 25 | £19,744 | £272,086 | £13,770 | £135,506 | £277,642 | 642.9% |
| Yr 30 | £22,338 | £315,423 | £15,638 | £185,504 | £370,977 | 859.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — ST14 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £774 | 7.1% | 4.3% | £-62 | -6.5% |
| Conservative | £846 | 7.8% | 5.1% | £109 | 3.8% |
| Base | £910 | 8.4% | 5.7% | £212 | 8.2% |
| Optimistic | £983 | 9.1% | 6.4% | £325 | 13.2% |
| Bull | £1,074 | 9.9% | 7.2% | £454 | 19.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.4% |
| Net Yield | ●5.71% |
| Net Annual Income | £7,417 |
| Deductions: void 8% (−£873) · mgmt 10% (−£1,092) · maint 10% (−£1,092) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£213 |
| Cash-on-Cash Return | ●5.89% |
| 5-Year IRR | ●8.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,596 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,596 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,884 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,648 |
| Less: Purchase Price | −£129,950 |
| Less: Buying Costs (SDLT + legal) | −£9,196 |
| Less: Selling Costs (est. 2.5%) | −£3,766 |
| = CGT Net Gain (5yr) | £7,736 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £774 | 7.1% | 4.3% | £-62 | -6.5% |
| Conservative | £846 | 7.8% | 5.1% | £109 | 3.8% |
| Base | £910 | 8.4% | 5.7% | £212 | 8.2% |
| Optimistic | £983 | 9.1% | 6.4% | £325 | 13.2% |
| Bull | £1,074 | 9.9% | 7.2% | £454 | 19.6% |