Park Road, Stoke-on-Trent, ST9
Semi-Detached Bungalow · 3 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
- £243,500
- Property Type
- Semi-Detached Bungalow
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 947 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 | £759 |
| ICR (actual) | 1.12x |
| Feasibility | REFER |
| Notes: Rental coverage 80% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £243,500 |
| Deposit (25% — 75% LTV) | £60,875 |
| SDLT (additional property, 5% surcharge) | £14,545 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £78,419 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £243,500 | Loan (75% LTV) | £182,625 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £837 |
| Rent needed (1.5×) | £1,256/mo | Estimated rent | £851/mo |
| Stress ratio | 1.02× (need ≥ 1.5×) £405 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 | £1,067 |
| SA net/mo | £789 |
| BTL est./mo | £850 |
| SA vs BTL uplift | +£217/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £262,223 | +£18,723 | £70,391 | +£9,516 (3.9%) |
| 5 years | £275,498 | +£31,998 | £80,281 | +£19,406 (8.0%) |
| 7 years | £289,445 | +£45,945 | £90,672 | +£29,797 (12.2%) |
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 ST9 9
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 3, SPENCER AVENUE, ST9 9EN | Semi | 3 | £309,000 | £338 | 19/01/26 | 3.32 mi |
| 10, SPRINGBANK AVENUE, ST9 9EL | Semi | 3 | £350,000 | £357 | 10/10/25 | 3.37 mi |
| GLENWOOD, CLEWLOWS BANK, ST9 9LN | Semi | 3 | £285,000 | £291 | 06/08/25 | 2.71 mi |
| 12, MAYFAIR GROVE, ST9 9HP | Semi | 3 | £245,000 | £232 | 27/06/25 | 3.89 mi |
| MOSS COTTAGE, MOSS HILL, ST9 9NW | Semi | 3 | £300,000 | £282 | 28/03/25 | 3.29 mi |
■ Above subject ■ Below subject
Based on 10 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 | £10,203 | £250,805 | £6,901 | £-2,230 | £5,075 | 6.4% |
| Yr 3 | £10,719 | £266,079 | £7,273 | £-6,135 | £16,444 | 20.7% |
| Yr 5 | £11,262 | £282,283 | £7,664 | £-9,269 | £29,514 | 37.1% |
| Yr 10 | £12,742 | £327,244 | £8,729 | £-13,463 | £70,280 | 88.4% |
| Yr 15 | £14,416 | £379,365 | £9,935 | £-11,917 | £123,948 | 155.9% |
| Yr 20 | £16,310 | £439,788 | £11,299 | £-3,876 | £192,412 | 242.0% |
| Yr 25 | £18,454 | £509,835 | £12,842 | £11,514 | £277,848 | 349.4% |
| Yr 30 | £20,879 | £591,038 | £14,588 | £35,218 | £382,756 | 481.3% |
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 — ST9 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £723 | 3.6% | 2.1% | £-556 | -17.0% |
| Conservative | £791 | 3.9% | 2.5% | £-320 | -5.0% |
| Base | £851 | 4.2% | 2.8% | £-185 | 0.1% |
| Optimistic | £919 | 4.5% | 3.2% | £-42 | 5.8% |
| Bull | £1,004 | 4.9% | 3.6% | £117 | 12.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.19% |
| Net Yield | ●2.84% |
| Net Annual Income | £6,908 |
| Deductions: void 8% (−£816) · mgmt 10% (−£1,020) · maint 10% (−£1,020) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £759 |
| Monthly Cashflow (IO) | ●£-183 |
| Cash-on-Cash Return | ●-2.8% |
| 5-Year IRR | ●0.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,545 |
| SDLT Effective Rate | 5.97% |
| SDLT (Company) | £14,545 |
| Section 24 Extra Tax/yr (higher rate) | £1,442 |
| SPV Annual Saving | £1,442 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £282,283 |
| Less: Purchase Price | −£243,500 |
| Less: Buying Costs (SDLT + legal) | −£17,145 |
| Less: Selling Costs (est. 2.5%) | −£7,057 |
| = CGT Net Gain (5yr) | £14,581 |
| CGT at 24% | £2,779 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £723 | 3.6% | 2.1% | £-556 | -17.0% |
| Conservative | £791 | 3.9% | 2.5% | £-320 | -5.0% |
| Base | £851 | 4.2% | 2.8% | £-185 | 0.1% |
| Optimistic | £919 | 4.5% | 3.2% | £-42 | 5.8% |
| Bull | £1,004 | 4.9% | 3.6% | £117 | 12.9% |