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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 62% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £800 |
| Bathroom | £600 |
| Living Room | £350 |
| Hallway / Stairs | £150 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Total Estimated Refurb | £2,200 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
Property Details
- Asking Price
- £124,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 3 | — | — | — | — |
| Sector sale 2 | Semi | 3 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
| Sector sale 4 | Semi | 3 | — | — | — | — |
| Sector sale 5 | Semi | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £387 |
| ICR (actual) | 2.89x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £124,000 |
| Deposit (25% — 75% LTV) | £31,000 |
| SDLT (additional property, 5% surcharge) | £6,200 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £40,199 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £124,000 | Loan (75% LTV) | £93,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £426 |
| Rent needed (1.5×) | £639/mo | Estimated rent | £1,119/mo |
| Stress ratio | 2.63× (need ≥ 1.5×) +£480 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 | £1,119 |
| SA vs BTL uplift | +£727/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £133,534 | +£9,534 | £35,463 | +£4,463 (3.6%) |
| 5 years | £140,295 | +£16,295 | £40,499 | +£9,499 (7.7%) |
| 7 years | £147,397 | +£23,397 | £45,791 | +£14,791 (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 | £13,429 | £127,720 | £9,224 | £4,574 | £8,294 | 20.1% |
| Yr 3 | £14,109 | £135,498 | £9,714 | £14,453 | £25,951 | 62.8% |
| Yr 5 | £14,823 | £143,750 | £10,228 | £25,349 | £45,099 | 109.2% |
| Yr 10 | £16,771 | £166,646 | £11,630 | £57,376 | £100,021 | 242.2% |
| Yr 15 | £18,975 | £193,188 | £13,217 | £96,959 | £166,147 | 402.3% |
| Yr 20 | £21,469 | £223,958 | £15,012 | £145,092 | £245,050 | 593.3% |
| Yr 25 | £24,290 | £259,628 | £17,044 | £202,897 | £338,526 | 819.7% |
| Yr 30 | £27,482 | £300,981 | £19,342 | £271,646 | £448,627 | 1086.3% |
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)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 9.2% | 5.6% | £77 | -0.3% |
| Conservative | £1,041 | 10.1% | 6.7% | £265 | 9.0% |
| Base | £1,119 | 10.8% | 7.4% | £381 | 13.1% |
| Optimistic | £1,209 | 11.7% | 8.3% | £508 | 17.8% |
| Bull | £1,320 | 12.8% | 9.4% | £656 | 23.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.83% |
| Net Yield | ●7.44% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,074) · mgmt 10% (−£1,343) · maint 10% (−£1,343) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £387 |
| Monthly Cashflow (IO) | ●£382 |
| Cash-on-Cash Return | ●11.07% |
| 5-Year IRR | ●13.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,200 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,200 |
| Section 24 Extra Tax/yr (higher rate) | £930 |
| SPV Annual Saving | £2,224 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £143,750 |
| Less: Purchase Price | −£124,000 |
| Less: Buying Costs (SDLT + legal) | −£8,800 |
| Less: Selling Costs (est. 2.5%) | −£3,594 |
| = CGT Net Gain (5yr) | £7,356 |
| CGT at 24% | £1,045 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 9.2% | 5.6% | £77 | -0.3% |
| Conservative | £1,041 | 10.1% | 6.7% | £265 | 9.0% |
| Base | £1,119 | 10.8% | 7.4% | £381 | 13.1% |
| Optimistic | £1,209 | 11.7% | 8.3% | £508 | 17.8% |
| Bull | £1,320 | 12.8% | 9.4% | £656 | 23.8% |