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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 52% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £79,950
- Property Type
- Semi-Detached
- 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 | Semi | 3 | — | — | — | — |
| Sector sale 2 | Semi | 3 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
| Sector sale 4 | Semi | 3 | — | — | — | — |
| Sector sale 5 | Semi | 3 | — | — | — | — |
| Sector sale 6 | Semi | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 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
Watch — 5/10Behavioural signals: 202 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £249 |
| ICR (actual) | 2.47x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £79,950 |
| Deposit (25% — 75% LTV) | £19,987 |
| SDLT (additional property, 5% surcharge) | £3,998 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £26,984 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £79,950 | Loan (75% LTV) | £59,962 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £275 |
| Rent needed (1.5×) | £412/mo | Estimated rent | £617/mo |
| Stress ratio | 2.25× (need ≥ 1.5×) +£205 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 | £617 |
| SA vs BTL uplift | +£1,229/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £86,097 | +£6,147 | £22,588 | +£2,601 (3.3%) |
| 5 years | £90,456 | +£10,506 | £25,835 | +£5,848 (7.3%) |
| 7 years | £95,035 | +£15,085 | £29,247 | +£9,259 (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 | £7,403 | £82,348 | £4,885 | £1,887 | £4,286 | 15.3% |
| Yr 3 | £7,778 | £87,364 | £5,155 | £6,065 | £13,479 | 48.0% |
| Yr 5 | £8,172 | £92,684 | £5,439 | £10,803 | £23,537 | 83.8% |
| Yr 10 | £9,246 | £107,446 | £6,212 | £25,288 | £52,784 | 187.9% |
| Yr 15 | £10,461 | £124,559 | £7,087 | £43,938 | £88,547 | 315.3% |
| Yr 20 | £11,835 | £144,399 | £8,076 | £67,301 | £131,750 | 469.1% |
| Yr 25 | £13,391 | £167,398 | £9,196 | £95,997 | £183,445 | 653.2% |
| Yr 30 | £15,150 | £194,060 | £10,463 | £130,726 | £244,836 | 871.8% |
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 | £524 | 7.9% | 4.6% | £-21 | -6.2% |
| Conservative | £574 | 8.6% | 5.5% | £90 | 3.9% |
| Base | £617 | 9.3% | 6.1% | £157 | 8.1% |
| Optimistic | £666 | 10.0% | 6.8% | £231 | 13.0% |
| Bull | £728 | 10.9% | 7.7% | £316 | 19.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.26% |
| Net Yield | ●6.11% |
| Net Annual Income | £4,886 |
| Deductions: void 8% (−£592) · mgmt 10% (−£740) · maint 10% (−£740) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £249 |
| Monthly Cashflow (IO) | ●£158 |
| Cash-on-Cash Return | ●6.72% |
| 5-Year IRR | ●8.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,998 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,998 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,298 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,684 |
| Less: Purchase Price | −£79,950 |
| Less: Buying Costs (SDLT + legal) | −£6,598 |
| Less: Selling Costs (est. 2.5%) | −£2,317 |
| = CGT Net Gain (5yr) | £3,819 |
| CGT at 24% | £197 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £524 | 7.9% | 4.6% | £-21 | -6.2% |
| Conservative | £574 | 8.6% | 5.5% | £90 | 3.9% |
| Base | £617 | 9.3% | 6.1% | £157 | 8.1% |
| Optimistic | £666 | 10.0% | 6.8% | £231 | 13.0% |
| Bull | £728 | 10.9% | 7.7% | £316 | 19.1% |