⚠ Offers Over listing — vendor expects full asking price or above. The offer range shown is for context only; submitting below asking is likely to be rejected.
Already 36.1% 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.
Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.
📷 No photos available for condition analysis.
Property Details
Asking Price
£100,000
Property Type
Flat
Bedrooms
1
Bathrooms
N/A
Est. Floor Area
678 sqft (est.)
Article 4 Area
✓ No restriction — SA permitted under PD rights
-48.2% vs Sector Median(n=195 sales)
This listing is priced below the postcode sector benchmark.
Comparable Sales in TN38 0
🔍 Filtered to 1-bedroom comparable sales only.
Location
Subject property
Planning applications
Motivated Seller Analysis
Standard — 2/10
Behavioural signals:Below market value
💸 Mortgage & Financing
Recommended LTV
75.0%
Indicative Rate
4.99%
Monthly IO Payment
£312
ICR (actual)
2.24x
Feasibility
PASS
💲 Total Cash Required
Purchase Price
£100,000
Deposit (25% — 75% LTV)
£25,000
SDLT (additional property, 5% surcharge)
£5,000
Legal fees (est.)
£1,500
Survey (est.)
£500
Arrangement fee (est.)
£999
Total cash required
£32,999
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
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.
BRRR Strategy
? Score Photos
Est. reno cost
Unknown — score listing
Cash left in deal
Unknown
R2SA / SA Strategy
✓ Viable
SA gross/mo
£1,424
SA net/mo
£1,103
BTL est./mo
£698
SA vs BTL uplift
+£726/mo
Hold Period
Est. Sale Price
Capital Gain
Net Proceeds
Total Return
3 years
£107,689
+£7,689
£28,448
+£3,448 (3.4%)
5 years
£113,141
+£13,141
£32,510
+£7,510 (7.5%)
7 years
£118,869
+£18,869
£36,777
+£11,777 (11.8%)
Break-even Horizon
56 months
Medium-term (3–5 years)
Flip Viability
Viable
Comp median: £161,500 — margin: +£61,500
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.
Finance This Investment
Property SPV
Set up a limited company to hold property assets and reduce tax exposure.
PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice.
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