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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
- £69,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 900–1,000 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
🔍 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 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 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 — 4/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £218 |
| ICR (actual) | 3.48x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £69,950 |
| Deposit (25% — 75% LTV) | £17,487 |
| SDLT (additional property, 5% surcharge) | £3,498 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £23,984 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £69,950 | Loan (75% LTV) | £52,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £240 |
| Rent needed (1.5×) | £361/mo | Estimated rent | £759/mo |
| Stress ratio | 3.16× (need ≥ 1.5×) +£398 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 | £759 |
| SA vs BTL uplift | +£1,087/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £75,328 | +£5,378 | £19,665 | +£2,178 (3.1%) |
| 5 years | £79,142 | +£9,192 | £22,506 | +£5,019 (7.2%) |
| 7 years | £83,149 | +£13,199 | £25,491 | +£8,004 (11.4%) |
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 | £9,107 | £72,048 | £6,112 | £3,489 | £5,588 | 22.3% |
| Yr 3 | £9,569 | £76,436 | £6,444 | £10,964 | £17,450 | 69.6% |
| Yr 5 | £10,053 | £81,091 | £6,793 | £19,127 | £30,268 | 120.7% |
| Yr 10 | £11,374 | £94,007 | £7,744 | £42,784 | £66,841 | 266.5% |
| Yr 15 | £12,869 | £108,980 | £8,820 | £71,565 | £110,595 | 440.9% |
| Yr 20 | £14,560 | £126,337 | £10,038 | £106,144 | £162,531 | 647.9% |
| Yr 25 | £16,473 | £146,460 | £11,416 | £147,283 | £223,793 | 892.1% |
| Yr 30 | £18,638 | £169,787 | £12,974 | £195,844 | £295,681 | 1178.7% |
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 | £645 | 11.1% | 6.6% | £98 | 2.4% |
| Conservative | £706 | 12.1% | 7.8% | £217 | 11.1% |
| Base | £759 | 13.0% | 8.7% | £291 | 14.9% |
| Optimistic | £820 | 14.1% | 9.8% | £373 | 19.2% |
| Bull | £896 | 15.4% | 11.0% | £469 | 24.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.02% |
| Net Yield | ●8.74% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£291 |
| Cash-on-Cash Return | ●13.91% |
| 5-Year IRR | ●14.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,498 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,498 |
| Section 24 Extra Tax/yr (higher rate) | £525 |
| SPV Annual Saving | £1,518 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £81,091 |
| Less: Purchase Price | −£69,950 |
| Less: Buying Costs (SDLT + legal) | −£6,098 |
| Less: Selling Costs (est. 2.5%) | −£2,027 |
| = CGT Net Gain (5yr) | £3,016 |
| CGT at 24% | £4 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 11.1% | 6.6% | £98 | 2.4% |
| Conservative | £706 | 12.1% | 7.8% | £217 | 11.1% |
| Base | £759 | 13.0% | 8.7% | £291 | 14.9% |
| Optimistic | £820 | 14.1% | 9.8% | £373 | 19.2% |
| Bull | £896 | 15.4% | 11.0% | £469 | 24.8% |