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Bungalow · 1 bed
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Suggested Offer Range
Already 43% 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 | Belmont Construction (Worcestershire) Ltd | Builder in Worcester, Pershore, Evesham, Worcestershire | 07805 028925 | — |
| decorator | Nolan Decorations Ltd: Decorating | Worcester | 01905 758 072 | — |
| photographer | Phil Harrison Photography | 07977 552064 | — |
Property Details
- Asking Price
- £180,000
- Property Type
- Bungalow
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 3 | — | — | — | — |
| Sector sale 2 | Detached | 3 | — | — | — | — |
| Sector sale 3 | Detached | 3 | — | — | — | — |
| Sector sale 4 | Detached | 2 | — | — | — | — |
| Sector sale 5 | Detached | 3 | — | — | — | — |
| Sector sale 6 | Detached | 2 | — | — | — | — |
| Sector sale 7 | Detached | 3 | — | — | — | — |
| Sector sale 8 | Detached | 5 | — | — | — | — |
| Sector sale 9 | Detached | 4 | — | — | — | — |
| Sector sale 10 | Detached | 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 — 3/10Behavioural signals: 76 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £561 |
| ICR (actual) | 1.23x |
| Feasibility | REFER |
| Notes: Rental coverage 88% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £180,000 |
| Deposit (25% — 75% LTV) | £45,000 |
| SDLT (additional property, 5% surcharge) | £10,100 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £58,099 |
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 | £180,000 | Loan (75% LTV) | £135,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £619 |
| Rent needed (1.5×) | £928/mo | Estimated rent | £692/mo |
| Stress ratio | 1.12× (need ≥ 1.5×) £236 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 | £984 |
| SA net/mo | £716 |
| BTL est./mo | £692 |
| SA vs BTL uplift | +£292/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £193,840 | +£13,840 | £51,831 | +£6,831 (3.8%) |
| 5 years | £203,653 | +£23,653 | £59,142 | +£14,142 (7.9%) |
| 7 years | £213,963 | +£33,963 | £66,823 | +£21,823 (12.1%) |
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 | £8,298 | £185,400 | £5,530 | £-1,220 | £4,180 | 7.1% |
| Yr 3 | £8,718 | £196,691 | £5,832 | £-3,209 | £13,481 | 22.8% |
| Yr 5 | £9,159 | £208,669 | £6,150 | £-4,571 | £24,099 | 40.7% |
| Yr 10 | £10,363 | £241,905 | £7,016 | £-5,015 | £56,890 | 96.1% |
| Yr 15 | £11,725 | £280,434 | £7,997 | £-790 | £99,645 | 168.3% |
| Yr 20 | £13,266 | £325,100 | £9,106 | £8,718 | £153,818 | 259.8% |
| Yr 25 | £15,009 | £376,880 | £10,361 | £24,203 | £221,083 | 373.5% |
| Yr 30 | £16,981 | £436,907 | £11,781 | £46,449 | £303,357 | 512.4% |
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 — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £588 | 3.9% | 2.3% | £-386 | -16.2% |
| Conservative | £644 | 4.3% | 2.8% | £-205 | -4.3% |
| Base | £692 | 4.6% | 3.1% | £-101 | 0.7% |
| Optimistic | £747 | 5.0% | 3.4% | £10 | 6.3% |
| Bull | £817 | 5.4% | 3.9% | £134 | 13.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.61% |
| Net Yield | ●3.07% |
| Net Annual Income | £5,534 |
| Deductions: void 8% (−£664) · mgmt 10% (−£830) · maint 10% (−£830) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£-100 |
| Cash-on-Cash Return | ●-2.05% |
| 5-Year IRR | ●0.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,307 |
| SPV Annual Saving | £1,307 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £588 | 3.9% | 2.3% | £-386 | -16.2% |
| Conservative | £644 | 4.3% | 2.8% | £-205 | -4.3% |
| Base | £692 | 4.6% | 3.1% | £-101 | 0.7% |
| Optimistic | £747 | 5.0% | 3.4% | £10 | 6.3% |
| Bull | £817 | 5.4% | 3.9% | £134 | 13.4% |
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