Manor Place, Keinton Mandeville
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 28.1% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £99,950
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 646 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 91 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £312 |
| ICR (actual) | 2.13x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £99,950 |
| Deposit (25% — 75% LTV) | £24,987 |
| SDLT (additional property, 5% surcharge) | £4,998 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,984 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £99,950 | Loan (75% LTV) | £74,962 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £344 |
| Rent needed (1.5×) | £515/mo | Estimated rent | £663/mo |
| Stress ratio | 1.93× (need ≥ 1.5×) +£148 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 | £1,146 |
| SA net/mo | £858 |
| BTL est./mo | £663 |
| SA vs BTL uplift | +£483/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £107,635 | +£7,685 | £28,434 | +£3,446 (3.4%) |
| 5 years | £113,084 | +£13,134 | £32,493 | +£7,506 (7.5%) |
| 7 years | £118,809 | +£18,859 | £36,758 | +£11,771 (11.8%) |
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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📈 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 | £7,956 | £102,948 | £5,283 | £1,535 | £4,534 | 13.3% |
| Yr 3 | £8,359 | £109,218 | £5,573 | £5,039 | £14,307 | 42.0% |
| Yr 5 | £8,782 | £115,869 | £5,878 | £9,144 | £25,064 | 73.5% |
| Yr 10 | £9,936 | £134,324 | £6,709 | £22,245 | £56,620 | 166.1% |
| Yr 15 | £11,242 | £155,719 | £7,649 | £39,823 | £95,592 | 280.4% |
| Yr 20 | £12,719 | £180,521 | £8,713 | £62,466 | £143,037 | 419.6% |
| Yr 25 | £14,390 | £209,273 | £9,916 | £90,839 | £200,162 | 587.2% |
| Yr 30 | £16,281 | £242,605 | £11,278 | £125,696 | £268,350 | 787.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — TA11 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 6.8% | 4.0% | £-77 | -8.5% |
| Conservative | £617 | 7.4% | 4.7% | £51 | 2.0% |
| Base | £663 | 8.0% | 5.3% | £128 | 6.4% |
| Optimistic | £716 | 8.6% | 5.9% | £212 | 11.5% |
| Bull | £782 | 9.4% | 6.7% | £308 | 17.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.96% |
| Net Yield | ●5.29% |
| Net Annual Income | £5,283 |
| Deductions: void 8% (−£636) · mgmt 10% (−£796) · maint 10% (−£796) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£128 |
| Cash-on-Cash Return | ●4.5% |
| 5-Year IRR | ●6.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,998 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,998 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,412 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,869 |
| Less: Purchase Price | −£99,950 |
| Less: Buying Costs (SDLT + legal) | −£7,598 |
| Less: Selling Costs (est. 2.5%) | −£2,897 |
| = CGT Net Gain (5yr) | £5,424 |
| CGT at 24% | £582 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 6.8% | 4.0% | £-77 | -8.5% |
| Conservative | £617 | 7.4% | 4.7% | £51 | 2.0% |
| Base | £663 | 8.0% | 5.3% | £128 | 6.4% |
| Optimistic | £716 | 8.6% | 5.9% | £212 | 11.5% |
| Bull | £782 | 9.4% | 6.7% | £308 | 17.9% |