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Detached Bungalow · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 49% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | SJP Building Services - Builders Of Excellence In Every Job | 07855 259 927 | — |
| decorator | Parkinson Decorators | 07702 360597 | — |
| photographer | Key Photography Wigan - Photographed by Kieran Johnson | 01942 236398 | — |
Property Details
- Asking Price
- £200,000
- Property Type
- Detached Bungalow
- 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
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 5 | — | — | — | — |
| Sector sale 2 | Detached | 7 | — | — | — | — |
| Sector sale 3 | Detached | 3 | — | — | — | — |
| Sector sale 4 | Detached | 6 | — | — | — | — |
| Sector sale 5 | Detached | 7 | — | — | — | — |
| Sector sale 6 | Detached | 4 | — | — | — | — |
| Sector sale 7 | Detached | 8 | — | — | — | — |
| Sector sale 8 | Detached | 5 | — | — | — | — |
| Sector sale 9 | Detached | 7 | — | — | — | — |
| Sector sale 10 | Detached | 7 | — | — | — | — |
■ 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 | £624 |
| ICR (actual) | 1.09x |
| Feasibility | REFER |
| Notes: Rental coverage 78% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £200,000 |
| Deposit (25% — 75% LTV) | £50,000 |
| SDLT (additional property, 5% surcharge) | £11,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £64,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £200,000 | Loan (75% LTV) | £150,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £688 |
| Rent needed (1.5×) | £1,031/mo | Estimated rent | £681/mo |
| Stress ratio | 0.99× (need ≥ 1.5×) £350 shortfall | ||
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 (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £766 |
| SA net/mo | £524 |
| BTL est./mo | £682 |
| SA vs BTL uplift | +£84/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £215,378 | +£15,378 | £57,677 | +£7,677 (3.8%) |
| 5 years | £226,282 | +£26,282 | £65,800 | +£15,800 (7.9%) |
| 7 years | £237,737 | +£37,737 | £74,334 | +£24,334 (12.2%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 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 | £8,180 | £206,000 | £5,445 | £-2,055 | £3,945 | 6.0% |
| Yr 3 | £8,594 | £218,545 | £5,743 | £-5,721 | £12,825 | 19.5% |
| Yr 5 | £9,029 | £231,855 | £6,056 | £-8,767 | £23,087 | 35.2% |
| Yr 10 | £10,216 | £268,783 | £6,910 | £-13,467 | £55,317 | 84.3% |
| Yr 15 | £11,558 | £311,593 | £7,877 | £-13,563 | £98,030 | 149.4% |
| Yr 20 | £13,077 | £361,222 | £8,970 | £-8,452 | £152,770 | 232.9% |
| Yr 25 | £14,795 | £418,756 | £10,208 | £2,551 | £221,306 | 337.4% |
| Yr 30 | £16,740 | £485,452 | £11,608 | £20,219 | £305,672 | 466.0% |
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 West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £579 | 3.5% | 2.0% | £-473 | -17.6% |
| Conservative | £633 | 3.8% | 2.4% | £-281 | -5.3% |
| Base | £681 | 4.1% | 2.7% | £-172 | -0.3% |
| Optimistic | £735 | 4.4% | 3.0% | £-55 | 5.4% |
| Bull | £804 | 4.8% | 3.4% | £74 | 12.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.09% |
| Net Yield | ●2.72% |
| Net Annual Income | £5,439 |
| Deductions: void 8% (−£654) · mgmt 10% (−£818) · maint 10% (−£818) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£-171 |
| Cash-on-Cash Return | ●-3.14% |
| 5-Year IRR | ●-0.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,115 |
| SPV Annual Saving | £1,115 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £579 | 3.5% | 2.0% | £-473 | -17.6% |
| Conservative | £633 | 3.8% | 2.4% | £-281 | -5.3% |
| Base | £681 | 4.1% | 2.7% | £-172 | -0.3% |
| Optimistic | £735 | 4.4% | 3.0% | £-55 | 5.4% |
| Bull | £804 | 4.8% | 3.4% | £74 | 12.5% |
Run the numbers on this deal
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