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Terraced · 3 bed
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Suggested Offer Range
Already 32% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 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
- £145,000
- Property Type
- Terraced
- Bedrooms
- 3
- 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 3 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 1 | — | — | — | — |
| Sector sale 2 | Terraced | 1 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 2 | — | — | — | — |
| Sector sale 6 | Terraced | 2 | — | — | — | — |
| Sector sale 7 | Terraced | 1 | — | — | — | — |
| 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
Watch — 4/10Behavioural signals: 63 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £452 |
| ICR (actual) | 2.33x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £145,000 |
| Deposit (25% — 75% LTV) | £36,250 |
| SDLT (additional property, 5% surcharge) | £7,650 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £46,899 |
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 | £145,000 | Loan (75% LTV) | £108,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £498 |
| Rent needed (1.5×) | £748/mo | Estimated rent | £1,055/mo |
| Stress ratio | 2.12× (need ≥ 1.5×) +£307 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 (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 | £1,170 |
| SA net/mo | £880 |
| BTL est./mo | £1,055 |
| SA vs BTL uplift | +£115/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £156,149 | +£11,149 | £41,601 | +£5,351 (3.7%) |
| 5 years | £164,054 | +£19,054 | £47,490 | +£11,240 (7.8%) |
| 7 years | £172,359 | +£27,359 | £53,678 | +£17,428 (12.0%) |
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 | £12,658 | £149,350 | £8,669 | £3,232 | £7,582 | 15.8% |
| Yr 3 | £13,299 | £158,445 | £9,131 | £10,384 | £23,830 | 49.6% |
| Yr 5 | £13,973 | £168,095 | £9,615 | £18,494 | £41,589 | 86.6% |
| Yr 10 | £15,809 | £194,868 | £10,937 | £43,284 | £93,152 | 194.1% |
| Yr 15 | £17,886 | £225,905 | £12,433 | £75,196 | £156,102 | 325.2% |
| Yr 20 | £20,237 | £261,886 | £14,125 | £115,167 | £232,053 | 483.4% |
| Yr 25 | £22,896 | £303,598 | £16,040 | £164,255 | £322,853 | 672.6% |
| Yr 30 | £25,904 | £351,953 | £18,206 | £223,660 | £430,613 | 897.1% |
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 | £897 | 7.4% | 4.5% | £-43 | -5.4% |
| Conservative | £981 | 8.1% | 5.4% | £151 | 4.6% |
| Base | £1,055 | 8.7% | 6.0% | £269 | 9.0% |
| Optimistic | £1,139 | 9.4% | 6.7% | £398 | 14.0% |
| Bull | £1,245 | 10.3% | 7.5% | £547 | 20.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.73% |
| Net Yield | ●5.98% |
| Net Annual Income | £8,670 |
| Deductions: void 8% (−£1,013) · mgmt 10% (−£1,266) · maint 10% (−£1,266) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£270 |
| Cash-on-Cash Return | ●6.73% |
| 5-Year IRR | ●9.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £2,156 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £897 | 7.4% | 4.5% | £-43 | -5.4% |
| Conservative | £981 | 8.1% | 5.4% | £151 | 4.6% |
| Base | £1,055 | 8.7% | 6.0% | £269 | 9.0% |
| Optimistic | £1,139 | 9.4% | 6.7% | £398 | 14.0% |
| Bull | £1,245 | 10.3% | 7.5% | £547 | 20.3% |