Wildwood, Telford
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 11.2% below the comparable sales mean — some negotiation possible but limited margin.
Property Details
- Asking Price
- £129,950
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 936 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £405 |
| ICR (actual) | 2.31x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £129,950 |
| Deposit (25% — 75% LTV) | £32,487 |
| SDLT (additional property, 5% surcharge) | £6,596 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £42,082 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £129,950 | Loan (75% LTV) | £97,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £447 |
| Rent needed (1.5×) | £670/mo | Estimated rent | £934/mo |
| Stress ratio | 2.09× (need ≥ 1.5×) +£264 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 | £933 |
| SA vs BTL uplift | +£913/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £139,942 | +£9,992 | £37,202 | +£4,715 (3.6%) |
| 5 years | £147,026 | +£17,076 | £42,480 | +£9,993 (7.7%) |
| 7 years | £154,470 | +£24,520 | £48,025 | +£15,538 (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 TF7 5
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 115, WANTAGE, TF7 5PE | Terraced | 3 | £90,000 | £94 | 06/03/26 | 0.18 mi |
| 61, WALTONDALE, TF7 5NJ | Terraced | 3 | £120,000 | £125 | 27/02/26 | < 0.1 mi |
| 131, WILLOWFIELD, TF7 5NX | Terraced | 3 | £129,000 | £135 | 27/02/26 | 0.33 mi |
| 26, LANGHOLM GREEN, TF7 5RN | Terraced | 3 | £295,000 | £269 | 16/02/26 | 0.45 mi |
| 130, WARRENSWAY, TF7 5QF | Terraced | 3 | £120,000 | £127 | 13/02/26 | 0.41 mi |
| 86, WAVERLEY, TF7 5LT | Terraced | 3 | £110,000 | £114 | 23/01/26 | 0.39 mi |
| 13, WITHYBROOK, TF7 5PX | Terraced | 3 | £147,100 | £144 | 22/12/25 | 0.39 mi |
| 22, WEYBRIDGE, TF7 5PZ | Terraced | 3 | £160,000 | £167 | 18/12/25 | 0.43 mi |
■ Above subject ■ Below subject
Based on 8 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 40.8% (threshold: 40%). Comparable prices in TF7 5 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 | £11,202 | £133,848 | £7,620 | £2,747 | £6,646 | 15.4% |
| Yr 3 | £11,769 | £142,000 | £8,029 | £8,851 | £20,901 | 48.4% |
| Yr 5 | £12,365 | £150,648 | £8,457 | £15,803 | £36,500 | 84.5% |
| Yr 10 | £13,989 | £174,642 | £9,627 | £37,176 | £81,868 | 189.6% |
| Yr 15 | £15,828 | £202,458 | £10,951 | £64,853 | £137,361 | 318.1% |
| Yr 20 | £17,908 | £234,704 | £12,448 | £99,661 | £204,415 | 473.4% |
| Yr 25 | £20,261 | £272,086 | £14,143 | £142,537 | £284,673 | 659.2% |
| Yr 30 | £22,923 | £315,423 | £16,060 | £194,541 | £380,014 | 880.0% |
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 — TF7 5 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £794 | 7.3% | 4.4% | £-49 | -5.9% |
| Conservative | £869 | 8.0% | 5.3% | £124 | 4.2% |
| Base | £934 | 8.6% | 5.9% | £229 | 8.6% |
| Optimistic | £1,009 | 9.3% | 6.6% | £344 | 13.6% |
| Bull | £1,102 | 10.2% | 7.4% | £476 | 20.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.62% |
| Net Yield | ●5.87% |
| Net Annual Income | £7,625 |
| Deductions: void 8% (−£896) · mgmt 10% (−£1,120) · maint 10% (−£1,120) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£230 |
| Cash-on-Cash Return | ●6.37% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,596 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,596 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,924 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,648 |
| Less: Purchase Price | −£129,950 |
| Less: Buying Costs (SDLT + legal) | −£9,196 |
| Less: Selling Costs (est. 2.5%) | −£3,766 |
| = CGT Net Gain (5yr) | £7,736 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £794 | 7.3% | 4.4% | £-49 | -5.9% |
| Conservative | £869 | 8.0% | 5.3% | £124 | 4.2% |
| Base | £934 | 8.6% | 5.9% | £229 | 8.6% |
| Optimistic | £1,009 | 9.3% | 6.6% | £344 | 13.6% |
| Bull | £1,102 | 10.2% | 7.4% | £476 | 20.0% |