Church Street, Malpas
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 31.4% 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
- £150,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 980 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 — 5/10Behavioural signals: 339 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £468 |
| ICR (actual) | 2.31x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £150,000 |
| Deposit (25% — 75% LTV) | £37,500 |
| SDLT (additional property, 5% surcharge) | £8,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £48,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £150,000 | Loan (75% LTV) | £112,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £516 |
| Rent needed (1.5×) | £773/mo | Estimated rent | £1,080/mo |
| Stress ratio | 2.09× (need ≥ 1.5×) +£307 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 | £1,846 |
| SA net/mo | £1,474 |
| BTL est./mo | £1,080 |
| SA vs BTL uplift | +£766/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £161,534 | +£11,534 | £43,063 | +£5,563 (3.7%) |
| 5 years | £169,711 | +£19,711 | £49,155 | +£11,655 (7.8%) |
| 7 years | £178,303 | +£28,303 | £55,556 | +£18,056 (12.0%) |
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 SY14 8
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 11, WITNEY LANE, SY14 8JJ | Semi | 3 | £90,000 | £97 | 23/01/26 | 1.53 mi |
| 2, GREENFIELDS MEWS, SY14 8HQ | Semi | 3 | £179,500 | £169 | 06/11/25 | 0.20 mi |
| 6, HAYSIDE WALK, SY14 8PE | Semi | 3 | £325,000 | £267 | 30/10/25 | 0.22 mi |
| 26, LYNCHET ROAD, SY14 8FA | Semi | 3 | £280,000 | £292 | 12/09/25 | 0.28 mi |
■ Above subject ■ Below subject
Based on 4 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 41.6% (threshold: 40%). Comparable prices in SY14 8 vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ 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 | £12,960 | £154,500 | £8,886 | £3,261 | £7,761 | 15.6% |
| Yr 3 | £13,616 | £163,909 | £9,359 | £10,489 | £24,398 | 49.2% |
| Yr 5 | £14,305 | £173,891 | £9,855 | £18,698 | £42,589 | 85.9% |
| Yr 10 | £16,185 | £201,587 | £11,208 | £43,841 | £95,428 | 192.4% |
| Yr 15 | £18,312 | £233,695 | £12,740 | £76,276 | £159,972 | 322.5% |
| Yr 20 | £20,719 | £270,917 | £14,472 | £116,962 | £237,879 | 479.6% |
| Yr 25 | £23,441 | £314,067 | £16,433 | £166,983 | £331,050 | 667.4% |
| Yr 30 | £26,521 | £364,089 | £18,650 | £227,565 | £441,654 | 890.4% |
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 — SY14 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £918 | 7.3% | 4.5% | £-50 | -5.6% |
| Conservative | £1,004 | 8.0% | 5.3% | £150 | 4.5% |
| Base | £1,080 | 8.6% | 5.9% | £272 | 8.9% |
| Optimistic | £1,166 | 9.3% | 6.6% | £404 | 13.9% |
| Bull | £1,274 | 10.2% | 7.5% | £556 | 20.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.64% |
| Net Yield | ●5.92% |
| Net Annual Income | £8,886 |
| Deductions: void 8% (−£1,037) · mgmt 10% (−£1,296) · maint 10% (−£1,296) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£272 |
| Cash-on-Cash Return | ●6.57% |
| 5-Year IRR | ●8.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,207 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £918 | 7.3% | 4.5% | £-50 | -5.6% |
| Conservative | £1,004 | 8.0% | 5.3% | £150 | 4.5% |
| Base | £1,080 | 8.6% | 5.9% | £272 | 8.9% |
| Optimistic | £1,166 | 9.3% | 6.6% | £404 | 13.9% |
| Bull | £1,274 | 10.2% | 7.5% | £556 | 20.2% |