Cavell Court, Stallington, Staffordshire, ST11
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 18.2% 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
- £90,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 474 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 5/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £281 |
| ICR (actual) | 2.4x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £90,000 |
| Deposit (25% — 75% LTV) | £22,500 |
| SDLT (additional property, 5% surcharge) | £4,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £29,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £90,000 | Loan (75% LTV) | £67,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £309 |
| Rent needed (1.5×) | £464/mo | Estimated rent | £673/mo |
| Stress ratio | 2.18× (need ≥ 1.5×) +£209 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 | £1,185 |
| SA net/mo | £893 |
| BTL est./mo | £673 |
| SA vs BTL uplift | +£512/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £96,920 | +£6,920 | £25,526 | +£3,026 (3.4%) |
| 5 years | £101,827 | +£11,827 | £29,181 | +£6,681 (7.4%) |
| 7 years | £106,982 | +£16,982 | £33,021 | +£10,521 (11.7%) |
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 ST11 9
⚠️ Only 1 comparable sale(s) matched 2 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 17, LISTER GROVE, ST11 9TS | Flat | 1 | £133,000 | £230 | 17/10/25 | 0.11 mi |
| 41, LISTER GROVE, ST11 9TS | Flat | 1 | £115,000 | £194 | 10/10/25 | 0.11 mi |
| 39, BRIDGWOOD ROAD, ST11 9PU | Flat | 2 | £106,000 | £147 | 11/08/25 | 1.58 mi |
| 10, MILLBROOK GARDENS, ST11 9JQ | Flat | 0 | £86,000 | £275 | 26/06/25 | 1.33 mi |
| 8, MILLBROOK GARDENS, ST11 9JQ | Flat | 1 | £110,000 | £213 | 28/02/25 | 1.33 mi |
■ Above subject ■ Below subject
Based on 5 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 | £8,073 | £92,700 | £5,368 | £1,993 | £4,693 | 15.1% |
| Yr 3 | £8,482 | £98,345 | £5,662 | £6,417 | £14,763 | 47.5% |
| Yr 5 | £8,911 | £104,335 | £5,971 | £11,453 | £25,787 | 82.9% |
| Yr 10 | £10,082 | £120,952 | £6,814 | £26,920 | £57,873 | 186.1% |
| Yr 15 | £11,407 | £140,217 | £7,768 | £46,930 | £97,147 | 312.4% |
| Yr 20 | £12,906 | £162,550 | £8,847 | £72,080 | £144,630 | 465.0% |
| Yr 25 | £14,602 | £188,440 | £10,068 | £103,044 | £201,484 | 647.9% |
| Yr 30 | £16,521 | £218,454 | £11,450 | £140,587 | £269,041 | 865.1% |
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 — ST11 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £572 | 7.6% | 4.5% | £-31 | -6.3% |
| Conservative | £626 | 8.3% | 5.3% | £92 | 3.8% |
| Base | £673 | 9.0% | 6.0% | £166 | 8.1% |
| Optimistic | £727 | 9.7% | 6.7% | £248 | 13.0% |
| Bull | £794 | 10.6% | 7.6% | £341 | 19.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.97% |
| Net Yield | ●5.97% |
| Net Annual Income | £5,370 |
| Deductions: void 8% (−£646) · mgmt 10% (−£807) · maint 10% (−£807) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£166 |
| Cash-on-Cash Return | ●6.41% |
| 5-Year IRR | ●8.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,410 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £572 | 7.6% | 4.5% | £-31 | -6.3% |
| Conservative | £626 | 8.3% | 5.3% | £92 | 3.8% |
| Base | £673 | 9.0% | 6.0% | £166 | 8.1% |
| Optimistic | £727 | 9.7% | 6.7% | £248 | 13.0% |
| Bull | £794 | 10.6% | 7.6% | £341 | 19.2% |