Lister Grove, Blythe Bridge, ST11
Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 33.0% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £79,995
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 577 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 | £249 |
| ICR (actual) | 2.08x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £79,995 |
| Deposit (25% — 75% LTV) | £19,998 |
| SDLT (additional property, 5% surcharge) | £4,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £26,997 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £79,995 | Loan (75% LTV) | £59,996 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £275 |
| Rent needed (1.5×) | £412/mo | Estimated rent | £518/mo |
| Stress ratio | 1.88× (need ≥ 1.5×) +£106 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 | £1,304 |
| SA net/mo | £998 |
| BTL est./mo | £518 |
| SA vs BTL uplift | +£786/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £86,146 | +£6,151 | £22,601 | +£2,602 (3.3%) |
| 5 years | £90,507 | +£10,512 | £25,850 | +£5,852 (7.3%) |
| 7 years | £95,089 | +£15,094 | £29,264 | +£9,265 (11.6%) |
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
🔍 Filtered to 1-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 17, LISTER GROVE, ST11 9TS | Flat | 1 | £133,000 | £230 | 17/10/25 | < 0.1 mi |
| 41, LISTER GROVE, ST11 9TS | Flat | 1 | £115,000 | £194 | 10/10/25 | < 0.1 mi |
| 8, MILLBROOK GARDENS, ST11 9JQ | Flat | 1 | £110,000 | £213 | 28/02/25 | 1.25 mi |
■ Above subject ■ Below subject
Based on 3 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 | £6,216 | £82,395 | £4,030 | £1,030 | £3,430 | 12.2% |
| Yr 3 | £6,530 | £87,413 | £4,257 | £3,430 | £10,847 | 38.6% |
| Yr 5 | £6,861 | £92,736 | £4,495 | £6,299 | £19,040 | 67.8% |
| Yr 10 | £7,762 | £107,507 | £5,144 | £15,690 | £43,201 | 153.7% |
| Yr 15 | £8,782 | £124,630 | £5,878 | £28,577 | £73,212 | 260.6% |
| Yr 20 | £9,937 | £144,480 | £6,709 | £45,422 | £109,907 | 391.1% |
| Yr 25 | £11,242 | £167,492 | £7,649 | £66,744 | £154,241 | 548.9% |
| Yr 30 | £12,720 | £194,169 | £8,713 | £93,131 | £207,305 | 737.8% |
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 | £440 | 6.6% | 3.7% | £-76 | -10.0% |
| Conservative | £482 | 7.2% | 4.5% | £25 | 0.7% |
| Base | £518 | 7.8% | 5.0% | £86 | 5.1% |
| Optimistic | £559 | 8.4% | 5.7% | £152 | 10.2% |
| Bull | £611 | 9.2% | 6.4% | £227 | 16.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.77% |
| Net Yield | ●5.04% |
| Net Annual Income | £4,031 |
| Deductions: void 8% (−£497) · mgmt 10% (−£622) · maint 10% (−£622) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £249 |
| Monthly Cashflow (IO) | ●£87 |
| Cash-on-Cash Return | ●3.67% |
| 5-Year IRR | ●5.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,000 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,131 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,736 |
| Less: Purchase Price | −£79,995 |
| Less: Buying Costs (SDLT + legal) | −£6,600 |
| Less: Selling Costs (est. 2.5%) | −£2,318 |
| = CGT Net Gain (5yr) | £3,823 |
| CGT at 24% | £198 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £440 | 6.6% | 3.7% | £-76 | -10.0% |
| Conservative | £482 | 7.2% | 4.5% | £25 | 0.7% |
| Base | £518 | 7.8% | 5.0% | £86 | 5.1% |
| Optimistic | £559 | 8.4% | 5.7% | £152 | 10.2% |
| Bull | £611 | 9.2% | 6.4% | £227 | 16.6% |