Philip Clarke Drive, Hartshill, Stoke on Trent
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 23.1% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £260,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 850 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 107 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £811 |
| ICR (actual) | 1.17x |
| Feasibility | REFER |
| Notes: Rental coverage 84% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £260,000 |
| Deposit (25% — 75% LTV) | £65,000 |
| SDLT (additional property, 5% surcharge) | £16,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £83,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £260,000 | Loan (75% LTV) | £195,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £894 |
| Rent needed (1.5×) | £1,341/mo | Estimated rent | £951/mo |
| Stress ratio | 1.06× (need ≥ 1.5×) £390 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 | £827 |
| SA net/mo | £578 |
| BTL est./mo | £951 |
| SA vs BTL uplift | £-124/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £279,992 | +£19,992 | £75,214 | +£10,214 (3.9%) |
| 5 years | £294,166 | +£34,166 | £85,774 | +£20,774 (8.0%) |
| 7 years | £309,058 | +£49,058 | £96,868 | +£31,868 (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 ST4 8
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 33, HAROLD HINES WAY, ST4 8WJ | Semi | 3 | £303,000 | £251 | 06/03/26 | 2.99 mi |
| 24, MARGARET AVENUE, ST4 8EE | Semi | 3 | £315,000 | £287 | 06/03/26 | 2.78 mi |
| 52, ASHENDENE GROVE, ST4 8NL | Semi | 3 | £325,000 | £351 | 27/02/26 | 2.61 mi |
| 3, GREENWAY, ST4 8AN | Semi | 3 | £410,000 | £443 | 13/02/26 | 3.01 mi |
■ Above subject ■ Below subject
Based on 4 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 | £11,414 | £267,800 | £7,773 | £-1,977 | £5,823 | 6.8% |
| Yr 3 | £11,992 | £284,109 | £8,189 | £-5,309 | £18,800 | 22.1% |
| Yr 5 | £12,599 | £301,411 | £8,626 | £-7,778 | £33,633 | 39.5% |
| Yr 10 | £14,255 | £349,418 | £9,818 | £-9,880 | £79,539 | 93.5% |
| Yr 15 | £16,128 | £405,072 | £11,167 | £-5,559 | £139,513 | 163.9% |
| Yr 20 | £18,247 | £469,589 | £12,693 | £6,028 | £215,617 | 253.4% |
| Yr 25 | £20,645 | £544,382 | £14,419 | £25,836 | £310,218 | 364.5% |
| Yr 30 | £23,358 | £631,088 | £16,373 | £54,946 | £426,034 | 500.6% |
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 — ST4 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £808 | 3.7% | 2.3% | £-568 | -16.5% |
| Conservative | £884 | 4.1% | 2.7% | £-312 | -4.5% |
| Base | £951 | 4.4% | 3.0% | £-165 | 0.5% |
| Optimistic | £1,027 | 4.7% | 3.3% | £-8 | 6.1% |
| Bull | £1,122 | 5.2% | 3.8% | £166 | 13.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.39% |
| Net Yield | ●2.99% |
| 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 | £811 |
| Monthly Cashflow (IO) | ●£-163 |
| Cash-on-Cash Return | ●-2.32% |
| 5-Year IRR | ●0.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,702 |
| SPV Annual Saving | £1,702 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £808 | 3.7% | 2.3% | £-568 | -16.5% |
| Conservative | £884 | 4.1% | 2.7% | £-312 | -4.5% |
| Base | £951 | 4.4% | 3.0% | £-165 | 0.5% |
| Optimistic | £1,027 | 4.7% | 3.3% | £-8 | 6.1% |
| Bull | £1,122 | 5.2% | 3.8% | £166 | 13.2% |