Ladysmith Road, Stoke-on-Trent, Staffordshire, ST1
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 14.2% below the comparable sales mean — some negotiation possible but limited margin.
Property Details
- Asking Price
- £80,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 775 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 | £250 |
| ICR (actual) | 2.6x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £80,000 |
| Deposit (25% — 75% LTV) | £20,000 |
| SDLT (additional property, 5% surcharge) | £4,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £26,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £80,000 | Loan (75% LTV) | £60,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £275 |
| Rent needed (1.5×) | £412/mo | Estimated rent | £648/mo |
| Stress ratio | 2.36× (need ≥ 1.5×) +£236 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 | £918 |
| SA net/mo | £658 |
| BTL est./mo | £648 |
| SA vs BTL uplift | +£270/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £86,151 | +£6,151 | £22,603 | +£2,603 (3.3%) |
| 5 years | £90,513 | +£10,513 | £25,852 | +£5,852 (7.3%) |
| 7 years | £95,095 | +£15,095 | £29,266 | +£9,266 (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 ST1 6
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 90, BARTHOMLEY ROAD, ST1 6NJ | Terraced | 2 | £100,000 | £141 | 16/03/26 | 1.47 mi |
| 64, BUXTON STREET, ST1 6BN | Terraced | 2 | £90,000 | £125 | 12/03/26 | 1.72 mi |
| 966, LEEK ROAD, ST1 6AT | Terraced | 2 | £85,500 | £102 | 10/03/26 | 1.76 mi |
| 1141, LEEK ROAD, ST1 6AR | Terraced | 2 | £110,000 | £160 | 27/02/26 | 1.86 mi |
| 7, LOCKLEY STREET, ST1 6PQ | Terraced | 2 | £63,500 | £83 | 23/02/26 | 1.46 mi |
| 974, LEEK ROAD, ST1 6AT | Terraced | 2 | £83,000 | £93 | 17/02/26 | 1.76 mi |
| 96, BIRCHES HEAD ROAD, ST1 6LJ | Terraced | 2 | £117,000 | £139 | 06/02/26 | 1.47 mi |
| 18, BUXTON STREET, ST1 6BN | Terraced | 2 | £97,000 | £120 | 20/01/26 | 1.72 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 | £7,776 | £82,400 | £5,154 | £2,154 | £4,554 | 16.2% |
| Yr 3 | £8,170 | £87,418 | £5,437 | £6,885 | £14,303 | 50.9% |
| Yr 5 | £8,583 | £92,742 | £5,735 | £12,204 | £24,946 | 88.8% |
| Yr 10 | £9,711 | £107,513 | £6,547 | £28,275 | £55,788 | 198.5% |
| Yr 15 | £10,987 | £124,637 | £7,466 | £48,721 | £93,358 | 332.2% |
| Yr 20 | £12,431 | £144,489 | £8,505 | £74,117 | £138,606 | 493.3% |
| Yr 25 | £14,065 | £167,502 | £9,682 | £105,115 | £192,617 | 685.5% |
| Yr 30 | £15,913 | £194,181 | £11,012 | £142,449 | £256,630 | 913.3% |
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 — ST1 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 8.3% | 4.8% | £-4 | -5.0% |
| Conservative | £603 | 9.0% | 5.8% | £110 | 4.9% |
| Base | £648 | 9.7% | 6.4% | £179 | 9.0% |
| Optimistic | £700 | 10.5% | 7.2% | £256 | 13.8% |
| Bull | £765 | 11.5% | 8.2% | £344 | 19.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.72% |
| Net Yield | ●6.44% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£778) · maint 10% (−£778) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £250 |
| Monthly Cashflow (IO) | ●£180 |
| Cash-on-Cash Return | ●7.67% |
| 5-Year IRR | ●9.0% |
● 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 | £1,350 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,742 |
| Less: Purchase Price | −£80,000 |
| Less: Buying Costs (SDLT + legal) | −£6,600 |
| Less: Selling Costs (est. 2.5%) | −£2,319 |
| = CGT Net Gain (5yr) | £3,823 |
| CGT at 24% | £198 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 8.3% | 4.8% | £-4 | -5.0% |
| Conservative | £603 | 9.0% | 5.8% | £110 | 4.9% |
| Base | £648 | 9.7% | 6.4% | £179 | 9.0% |
| Optimistic | £700 | 10.5% | 7.2% | £256 | 13.8% |
| Bull | £765 | 11.5% | 8.2% | £344 | 19.9% |