Rosethorn Close, Balham
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 55.9% 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
- £800,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 784 sqft
- 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: 65 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £2,495 |
| ICR (actual) | 1.11x |
| Feasibility | REFER |
| Notes: Rental coverage 79% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £800,000 |
| Deposit (25% — 75% LTV) | £200,000 |
| SDLT (additional property, 5% surcharge) | £70,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £272,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £800,000 | Loan (75% LTV) | £600,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,750 |
| Rent needed (1.5×) | £4,125/mo | Estimated rent | £2,776/mo |
| Stress ratio | 1.01× (need ≥ 1.5×) £1349 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 | £2,773 |
| SA vs BTL uplift | £-763/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £861,512 | +£61,512 | £233,047 | +£33,047 (4.1%) |
| 5 years | £905,127 | +£105,127 | £265,539 | +£65,539 (8.2%) |
| 7 years | £950,949 | +£150,949 | £299,677 | +£99,677 (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 SW12 9
⚠️ Only 1 comparable sale(s) matched 3 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 17, DORNTON ROAD, SW12 9NB | Semi | 5 | £1,575,000 | £774 | 16/09/25 | 0.60 mi |
| 89, HAZELBOURNE ROAD, SW12 9NT | Semi | 4 | £1,500,000 | £871 | 28/08/25 | 0.40 mi |
| 16, ORMELEY ROAD, SW12 9QE | Semi | 4 | £1,830,000 | £1069 | 15/08/25 | 0.47 mi |
| 34, BYRNE ROAD, SW12 9JD | Semi | 5 | £1,951,388 | £835 | 14/08/25 | 0.54 mi |
| 49, CATHLES ROAD, SW12 9LE | Semi | 3 | £1,300,000 | £1041 | 30/06/25 | 0.47 mi |
| 27, ROSSITER ROAD, SW12 9RY | Semi | 5 | £1,555,000 | £777 | 16/06/25 | 0.44 mi |
| 37, FONTENOY ROAD, SW12 9LX | Semi | 5 | £2,200,000 | £877 | 25/06/24 | 0.63 mi |
| 7, DORNTON ROAD, SW12 9NB | Semi | 5 | £2,600,000 | £888 | 19/06/24 | 0.60 mi |
■ Above subject ■ Below subject
Based on 8 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 | £33,280 | £824,000 | £23,517 | £-6,483 | £17,517 | 6.4% |
| Yr 3 | £34,965 | £874,182 | £24,730 | £-17,638 | £56,543 | 20.6% |
| Yr 5 | £36,735 | £927,419 | £26,004 | £-26,275 | £101,144 | 36.9% |
| Yr 10 | £41,562 | £1,075,133 | £29,480 | £-35,999 | £239,134 | 87.2% |
| Yr 15 | £47,024 | £1,246,374 | £33,412 | £-26,997 | £419,377 | 153.0% |
| Yr 20 | £53,203 | £1,444,889 | £37,861 | £3,191 | £648,080 | 236.4% |
| Yr 25 | £60,194 | £1,675,022 | £42,895 | £57,350 | £932,372 | 340.2% |
| Yr 30 | £68,104 | £1,941,810 | £48,590 | £138,629 | £1,280,439 | 467.1% |
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 — SW12 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,360 | 3.5% | 2.2% | £-1,753 | -17.3% |
| Conservative | £2,582 | 3.9% | 2.7% | £-980 | -5.6% |
| Base | £2,776 | 4.2% | 2.9% | £-538 | -0.6% |
| Optimistic | £2,998 | 4.5% | 3.3% | £-69 | 5.0% |
| Bull | £3,276 | 4.9% | 3.7% | £452 | 12.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.16% |
| Net Yield | ●2.94% |
| Net Annual Income | £23,540 |
| Deductions: void 8% (−£2,662) · mgmt 10% (−£3,328) · maint 10% (−£3,328) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,495 |
| Monthly Cashflow (IO) | ●£-533 |
| Cash-on-Cash Return | ●-2.36% |
| 5-Year IRR | ●-0.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £70,000 |
| SDLT Effective Rate | 8.75% |
| SDLT (Company) | £120,000 |
| Section 24 Extra Tax/yr (higher rate) | £4,660 |
| SPV Annual Saving | £4,660 |
| SPV Breakeven | 10.7 yrs |
| CGT Projected Sale (5yr) | £927,419 |
| Less: Purchase Price | −£800,000 |
| Less: Buying Costs (SDLT + legal) | −£72,600 |
| Less: Selling Costs (est. 2.5%) | −£23,185 |
| = CGT Net Gain (5yr) | £31,634 |
| CGT at 24% | £6,872 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,360 | 3.5% | 2.2% | £-1,753 | -17.3% |
| Conservative | £2,582 | 3.9% | 2.7% | £-980 | -5.6% |
| Base | £2,776 | 4.2% | 2.9% | £-538 | -0.6% |
| Optimistic | £2,998 | 4.5% | 3.3% | £-69 | 5.0% |
| Bull | £3,276 | 4.9% | 3.7% | £452 | 12.0% |