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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 16% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £85,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- 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
⚠️ Only 2 comparable sale(s) matched 2 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Terraced | 1 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 3 | — | — | — | — |
| Sector sale 8 | Terraced | 3 | — | — | — | — |
| Sector sale 9 | Terraced | 3 | — | — | — | — |
| Sector sale 10 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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 | £265 |
| ICR (actual) | 2.5x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £85,000 |
| Deposit (25% — 75% LTV) | £21,250 |
| SDLT (additional property, 5% surcharge) | £4,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £28,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £85,000 | Loan (75% LTV) | £63,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £292 |
| Rent needed (1.5×) | £438/mo | Estimated rent | £662/mo |
| Stress ratio | 2.27× (need ≥ 1.5×) +£224 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 | £1,641 |
| SA net/mo | £1,294 |
| BTL est./mo | £662 |
| SA vs BTL uplift | +£979/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £91,536 | +£6,536 | £24,064 | +£2,814 (3.3%) |
| 5 years | £96,170 | +£11,170 | £27,516 | +£6,266 (7.4%) |
| 7 years | £101,038 | +£16,038 | £31,144 | +£9,894 (11.6%) |
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 | £7,948 | £87,550 | £5,277 | £2,090 | £4,640 | 15.7% |
| Yr 3 | £8,350 | £92,882 | £5,567 | £6,702 | £14,584 | 49.3% |
| Yr 5 | £8,773 | £98,538 | £5,871 | £11,915 | £25,454 | 86.0% |
| Yr 10 | £9,925 | £114,233 | £6,701 | £27,783 | £57,016 | 192.6% |
| Yr 15 | £11,230 | £132,427 | £7,640 | £48,123 | £95,550 | 322.8% |
| Yr 20 | £12,705 | £153,519 | £8,703 | £73,522 | £142,041 | 479.9% |
| Yr 25 | £14,375 | £177,971 | £9,905 | £104,645 | £197,616 | 667.6% |
| Yr 30 | £16,264 | £206,317 | £11,265 | £142,245 | £263,562 | 890.4% |
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 — North East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £563 | 7.9% | 4.6% | £-17 | -5.6% |
| Conservative | £616 | 8.7% | 5.6% | £102 | 4.3% |
| Base | £662 | 9.3% | 6.2% | £174 | 8.6% |
| Optimistic | £715 | 10.1% | 6.9% | £253 | 13.4% |
| Bull | £781 | 11.0% | 7.9% | £344 | 19.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.35% |
| Net Yield | ●6.21% |
| Net Annual Income | £5,275 |
| Deductions: void 8% (−£636) · mgmt 10% (−£795) · maint 10% (−£795) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £265 |
| Monthly Cashflow (IO) | ●£175 |
| Cash-on-Cash Return | ●7.05% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,250 |
| Section 24 Extra Tax/yr (higher rate) | £638 |
| SPV Annual Saving | £1,383 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £98,538 |
| Less: Purchase Price | −£85,000 |
| Less: Buying Costs (SDLT + legal) | −£6,850 |
| Less: Selling Costs (est. 2.5%) | −£2,463 |
| = CGT Net Gain (5yr) | £4,225 |
| CGT at 24% | £294 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £563 | 7.9% | 4.6% | £-17 | -5.6% |
| Conservative | £616 | 8.7% | 5.6% | £102 | 4.3% |
| Base | £662 | 9.3% | 6.2% | £174 | 8.6% |
| Optimistic | £715 | 10.1% | 6.9% | £253 | 13.4% |
| Bull | £781 | 11.0% | 7.9% | £344 | 19.6% |