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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £89,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 7 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 — 1/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £281 |
| ICR (actual) | 2.81x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £89,950 |
| Deposit (25% — 75% LTV) | £22,487 |
| SDLT (additional property, 5% surcharge) | £4,498 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £29,984 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £89,950 | Loan (75% LTV) | £67,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £309 |
| Rent needed (1.5×) | £464/mo | Estimated rent | £788/mo |
| Stress ratio | 2.55× (need ≥ 1.5×) +£324 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 | £788 |
| SA vs BTL uplift | +£1,058/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £96,866 | +£6,916 | £25,511 | +£3,023 (3.4%) |
| 5 years | £101,770 | +£11,820 | £29,164 | +£6,677 (7.4%) |
| 7 years | £106,922 | +£16,972 | £33,003 | +£10,515 (11.7%) |
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 | £9,454 | £92,648 | £6,362 | £2,989 | £5,687 | 18.3% |
| Yr 3 | £9,932 | £98,291 | £6,706 | £9,480 | £17,821 | 57.3% |
| Yr 5 | £10,435 | £104,277 | £7,068 | £16,688 | £31,014 | 99.8% |
| Yr 10 | £11,806 | £120,885 | £8,056 | £38,077 | £69,012 | 222.0% |
| Yr 15 | £13,358 | £140,139 | £9,173 | £64,785 | £114,974 | 369.9% |
| Yr 20 | £15,113 | £162,460 | £10,437 | £97,512 | £170,022 | 546.9% |
| Yr 25 | £17,099 | £188,335 | £11,866 | £137,048 | £235,434 | 757.4% |
| Yr 30 | £19,346 | £218,332 | £13,484 | £184,289 | £312,671 | 1005.8% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — North East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £670 | 8.9% | 5.3% | £33 | -2.4% |
| Conservative | £733 | 9.8% | 6.3% | £167 | 7.1% |
| Base | £788 | 10.5% | 7.1% | £249 | 11.2% |
| Optimistic | £851 | 11.4% | 7.9% | £340 | 15.9% |
| Bull | £930 | 12.4% | 8.9% | £445 | 21.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.51% |
| Net Yield | ●7.07% |
| Net Annual Income | £6,363 |
| Deductions: void 8% (−£756) · mgmt 10% (−£945) · maint 10% (−£945) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£249 |
| Cash-on-Cash Return | ●9.62% |
| 5-Year IRR | ●11.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,498 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,498 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,604 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,277 |
| Less: Purchase Price | −£89,950 |
| Less: Buying Costs (SDLT + legal) | −£7,098 |
| Less: Selling Costs (est. 2.5%) | −£2,607 |
| = CGT Net Gain (5yr) | £4,622 |
| CGT at 24% | £389 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £670 | 8.9% | 5.3% | £33 | -2.4% |
| Conservative | £733 | 9.8% | 6.3% | £167 | 7.1% |
| Base | £788 | 10.5% | 7.1% | £249 | 11.2% |
| Optimistic | £851 | 11.4% | 7.9% | £340 | 15.9% |
| Bull | £930 | 12.4% | 8.9% | £445 | 21.9% |