College Close, Tetchill.
Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 18.1% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £365,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1250 sqft
- 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: 174 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,138 |
| ICR (actual) | 1.2x |
| Feasibility | REFER |
| Notes: Rental coverage 86% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £365,000 |
| Deposit (25% — 75% LTV) | £91,250 |
| SDLT (additional property, 5% surcharge) | £26,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £120,749 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £365,000 | Loan (75% LTV) | £273,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,255 |
| Rent needed (1.5×) | £1,882/mo | Estimated rent | £1,366/mo |
| Stress ratio | 1.09× (need ≥ 1.5×) £516 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 | £1,032 |
| SA net/mo | £758 |
| BTL est./mo | £1,366 |
| SA vs BTL uplift | £-334/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £393,065 | +£28,065 | £105,903 | +£14,653 (4.0%) |
| 5 years | £412,964 | +£47,964 | £120,728 | +£29,478 (8.1%) |
| 7 years | £433,870 | +£68,870 | £136,303 | +£45,053 (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 SY12 0
⚠️ Only 2 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| SHADE OAK, SY12 0LR | Detached | 5 | £637,500 | £247 | 19/02/26 | 2.92 mi |
| THE YEWS, SY12 0QW | Detached | 5 | £612,500 | £188 | 06/02/26 | 2.63 mi |
| CHURCH HOUSE, SY12 0PH | Detached | 5 | £405,000 | £154 | 18/12/25 | 3.10 mi |
| 4, ROBINS GROVE, SY12 0RB | Detached | 4 | £425,000 | £284 | 12/12/25 | 3.16 mi |
| 88, TETCHILL BROOK ROAD, SY12 0FJ | Detached | 3 | £316,000 | £291 | 12/12/25 | 1.05 mi |
| 77, HILLCREST, SY12 0LJ | Detached | 3 | £385,000 | £314 | 26/11/25 | 1.81 mi |
| GARTH, WILLOW STREET, SY12 0AQ | Detached | 4 | £295,000 | £212 | 17/09/25 | 1.43 mi |
| ELM HAYES, SY12 0LG | Detached | 3 | £404,000 | £332 | 18/08/25 | 3.41 mi |
| ORCHARD VIEW, SY12 0PH | Detached | 5 | £405,000 | £220 | 28/07/25 | 3.10 mi |
| 1, KETTLEMERE CLOSE, SY12 0FX | Detached | 5 | £569,950 | £267 | 12/06/25 | 0.92 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 | £16,388 | £375,950 | £11,355 | £-2,333 | £8,617 | 7.1% |
| Yr 3 | £17,218 | £398,845 | £11,952 | £-6,106 | £27,739 | 22.8% |
| Yr 5 | £18,090 | £423,135 | £12,580 | £-8,639 | £49,496 | 40.6% |
| Yr 10 | £20,467 | £490,529 | £14,291 | £-9,128 | £116,401 | 95.5% |
| Yr 15 | £23,157 | £568,658 | £16,228 | £-396 | £203,262 | 166.8% |
| Yr 20 | £26,199 | £659,231 | £18,419 | £18,770 | £313,000 | 256.9% |
| Yr 25 | £29,642 | £764,229 | £20,897 | £49,740 | £448,968 | 368.5% |
| Yr 30 | £33,538 | £885,951 | £23,702 | £94,065 | £615,015 | 504.7% |
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 — SY12 0 ⓘ 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% | £-765 | -16.3% |
| Conservative | £1,270 | 4.2% | 2.8% | £-403 | -4.6% |
| Base | £1,366 | 4.5% | 3.1% | £-194 | 0.4% |
| Optimistic | £1,475 | 4.9% | 3.5% | £28 | 6.0% |
| Bull | £1,612 | 5.3% | 3.9% | £275 | 13.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.49% |
| Net Yield | ●3.11% |
| Net Annual Income | £11,357 |
| Deductions: void 8% (−£1,311) · mgmt 10% (−£1,639) · maint 10% (−£1,639) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,138 |
| Monthly Cashflow (IO) | ●£-192 |
| Cash-on-Cash Return | ●-1.91% |
| 5-Year IRR | ●0.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £26,500 |
| SDLT Effective Rate | 7.26% |
| SDLT (Company) | £26,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,508 |
| SPV Annual Saving | £2,508 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £423,135 |
| Less: Purchase Price | −£365,000 |
| Less: Buying Costs (SDLT + legal) | −£29,100 |
| Less: Selling Costs (est. 2.5%) | −£10,578 |
| = CGT Net Gain (5yr) | £18,457 |
| CGT at 24% | £3,710 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,161 | 3.8% | 2.4% | £-765 | -16.3% |
| Conservative | £1,270 | 4.2% | 2.8% | £-403 | -4.6% |
| Base | £1,366 | 4.5% | 3.1% | £-194 | 0.4% |
| Optimistic | £1,475 | 4.9% | 3.5% | £28 | 6.0% |
| Bull | £1,612 | 5.3% | 3.9% | £275 | 13.0% |