Challenor Way, Whitchurch.
Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 16.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £362,500
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1184 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 126 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,131 |
| ICR (actual) | 1.21x |
| Feasibility | REFER |
| Notes: Rental coverage 86% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £362,500 |
| Deposit (25% — 75% LTV) | £90,625 |
| SDLT (additional property, 5% surcharge) | £26,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £119,874 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £362,500 | Loan (75% LTV) | £271,875 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,246 |
| Rent needed (1.5×) | £1,869/mo | Estimated rent | £1,366/mo |
| Stress ratio | 1.1× (need ≥ 1.5×) £503 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 | £1,051 |
| SA net/mo | £775 |
| BTL est./mo | £1,365 |
| SA vs BTL uplift | £-314/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £390,373 | +£27,873 | £105,173 | +£14,548 (4.0%) |
| 5 years | £410,135 | +£47,635 | £119,896 | +£29,271 (8.1%) |
| 7 years | £430,899 | +£68,399 | £135,364 | +£44,739 (12.3%) |
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 SY13 1
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 2, MEADOWCROFT, SY13 1BD | Detached | 4 | £420,000 | £310 | 19/03/26 | 0.96 mi |
| 11, MEADOWCROFT, SY13 1BD | Detached | 4 | £410,000 | £315 | 28/11/25 | 0.96 mi |
| 6, PEAR TREE LANE, SY13 1NG | Detached | 4 | £475,000 | £368 | 30/10/25 | 0.95 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 | £16,385 | £373,375 | £11,352 | £-2,242 | £8,633 | 7.1% |
| Yr 3 | £17,214 | £396,114 | £11,949 | £-5,832 | £27,781 | 23.0% |
| Yr 5 | £18,086 | £420,237 | £12,577 | £-8,184 | £49,553 | 41.0% |
| Yr 10 | £20,463 | £487,170 | £14,288 | £-8,219 | £116,451 | 96.3% |
| Yr 15 | £23,152 | £564,763 | £16,224 | £965 | £203,228 | 168.0% |
| Yr 20 | £26,194 | £654,715 | £18,415 | £20,580 | £312,796 | 258.6% |
| Yr 25 | £29,636 | £758,994 | £20,893 | £51,997 | £448,492 | 370.7% |
| Yr 30 | £33,530 | £879,883 | £23,697 | £96,766 | £614,149 | 507.7% |
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 — SY13 1 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,161 | 3.8% | 2.4% | £-755 | -16.2% |
| Conservative | £1,270 | 4.2% | 2.8% | £-394 | -4.5% |
| Base | £1,366 | 4.5% | 3.1% | £-186 | 0.5% |
| Optimistic | £1,475 | 4.9% | 3.5% | £35 | 6.1% |
| Bull | £1,612 | 5.3% | 3.9% | £282 | 13.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.52% |
| Net Yield | ●3.13% |
| Net Annual Income | £11,357 |
| Deductions: void 8% (−£1,311) · mgmt 10% (−£1,638) · maint 10% (−£1,638) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,131 |
| Monthly Cashflow (IO) | ●£-185 |
| Cash-on-Cash Return | ●-1.85% |
| 5-Year IRR | ●0.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £26,250 |
| SDLT Effective Rate | 7.24% |
| SDLT (Company) | £26,250 |
| Section 24 Extra Tax/yr (higher rate) | £2,527 |
| SPV Annual Saving | £2,527 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £420,237 |
| Less: Purchase Price | −£362,500 |
| Less: Buying Costs (SDLT + legal) | −£28,850 |
| Less: Selling Costs (est. 2.5%) | −£10,506 |
| = CGT Net Gain (5yr) | £18,381 |
| CGT at 24% | £3,691 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,161 | 3.8% | 2.4% | £-755 | -16.2% |
| Conservative | £1,270 | 4.2% | 2.8% | £-394 | -4.5% |
| Base | £1,366 | 4.5% | 3.1% | £-186 | 0.5% |
| Optimistic | £1,475 | 4.9% | 3.5% | £35 | 6.1% |
| Bull | £1,612 | 5.3% | 3.9% | £282 | 13.1% |