105 Oak Meadow, Bishops Castle, SY9 5PE, SY9 5PE
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 52.8% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £125,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 932 sqft
- 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: 142 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £390 |
| ICR (actual) | 2.38x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £125,000 |
| Deposit (25% — 75% LTV) | £31,250 |
| SDLT (additional property, 5% surcharge) | £6,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £40,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £125,000 | Loan (75% LTV) | £93,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £430 |
| Rent needed (1.5×) | £645/mo | Estimated rent | £927/mo |
| Stress ratio | 2.16× (need ≥ 1.5×) +£282 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 | £927 |
| SA vs BTL uplift | +£919/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £134,611 | +£9,611 | £35,755 | +£4,505 (3.6%) |
| 5 years | £141,426 | +£16,426 | £40,832 | +£9,582 (7.7%) |
| 7 years | £148,586 | +£23,586 | £46,166 | +£14,916 (11.9%) |
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 | £11,125 | £128,750 | £7,565 | £2,878 | £6,628 | 15.9% |
| Yr 3 | £11,688 | £136,591 | £7,971 | £9,238 | £20,829 | 50.1% |
| Yr 5 | £12,280 | £144,909 | £8,397 | £16,441 | £36,350 | 87.4% |
| Yr 10 | £13,894 | £167,990 | £9,558 | £38,414 | £81,404 | 195.7% |
| Yr 15 | £15,719 | £194,746 | £10,873 | £66,647 | £136,393 | 327.9% |
| Yr 20 | £17,785 | £225,764 | £12,360 | £101,963 | £202,727 | 487.3% |
| Yr 25 | £20,122 | £261,722 | £14,043 | £145,291 | £282,013 | 677.9% |
| Yr 30 | £22,766 | £303,408 | £15,947 | £197,686 | £376,093 | 904.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — SY9 5 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £788 | 7.6% | 4.6% | £-33 | -5.3% |
| Conservative | £862 | 8.3% | 5.4% | £137 | 4.8% |
| Base | £927 | 8.9% | 6.1% | £240 | 9.1% |
| Optimistic | £1,001 | 9.6% | 6.8% | £352 | 14.1% |
| Bull | £1,094 | 10.5% | 7.6% | £482 | 20.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.9% |
| Net Yield | ●6.05% |
| Net Annual Income | £7,564 |
| Deductions: void 8% (−£890) · mgmt 10% (−£1,112) · maint 10% (−£1,112) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£240 |
| Cash-on-Cash Return | ●6.91% |
| 5-Year IRR | ●9.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £1,903 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £788 | 7.6% | 4.6% | £-33 | -5.3% |
| Conservative | £862 | 8.3% | 5.4% | £137 | 4.8% |
| Base | £927 | 8.9% | 6.1% | £240 | 9.1% |
| Optimistic | £1,001 | 9.6% | 6.8% | £352 | 14.1% |
| Bull | £1,094 | 10.5% | 7.6% | £482 | 20.4% |