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Terraced · 2 bed
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Suggested Offer Range
Already 51% 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 | Builder in York | High Spec Extensions & Alterations | 01904 593544 | — |
| decorator | Painter & Decorators York - York Decorator | 01904 626920 | — |
| photographer | Sarah Burton Photography | 07822 010126 | — |
Property Details
- Asking Price
- £87,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 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 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 2 | — | — | — | — |
| Sector sale 2 | Terraced | 2 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 2 | — | — | — | — |
| Sector sale 6 | Terraced | 2 | — | — | — | — |
| Sector sale 7 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 7 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: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £271 |
| ICR (actual) | 2.76x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £87,000 |
| Deposit (25% — 75% LTV) | £21,750 |
| SDLT (additional property, 5% surcharge) | £4,350 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £29,099 |
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 | £87,000 | Loan (75% LTV) | £65,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £299 |
| Rent needed (1.5×) | £449/mo | Estimated rent | £749/mo |
| Stress ratio | 2.5× (need ≥ 1.5×) +£300 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 | £1,635 |
| SA net/mo | £1,289 |
| BTL est./mo | £749 |
| SA vs BTL uplift | +£886/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £93,689 | +£6,689 | £24,649 | +£2,899 (3.3%) |
| 5 years | £98,433 | +£11,433 | £28,182 | +£6,432 (7.4%) |
| 7 years | £103,416 | +£16,416 | £31,895 | +£10,145 (11.7%) |
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 | £8,987 | £89,610 | £6,026 | £2,763 | £5,373 | 17.8% |
| Yr 3 | £9,442 | £95,067 | £6,353 | £8,779 | £16,846 | 55.8% |
| Yr 5 | £9,920 | £100,857 | £6,697 | £15,475 | £29,332 | 97.1% |
| Yr 10 | £11,224 | £116,921 | £7,636 | £35,419 | £65,340 | 216.4% |
| Yr 15 | £12,699 | £135,543 | £8,698 | £60,420 | £108,963 | 360.8% |
| Yr 20 | £14,367 | £157,132 | £9,899 | £91,142 | £161,274 | 534.0% |
| Yr 25 | £16,255 | £182,159 | £11,259 | £128,338 | £223,496 | 740.1% |
| Yr 30 | £18,391 | £211,172 | £12,797 | £172,857 | £297,029 | 983.5% |
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 — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £637 | 8.8% | 5.2% | £23 | -3.0% |
| Conservative | £697 | 9.6% | 6.2% | £151 | 6.5% |
| Base | £749 | 10.3% | 6.9% | £230 | 10.7% |
| Optimistic | £809 | 11.2% | 7.7% | £317 | 15.4% |
| Bull | £884 | 12.2% | 8.8% | £417 | 21.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.33% |
| Net Yield | ●6.93% |
| Net Annual Income | £6,026 |
| Deductions: void 8% (−£719) · mgmt 10% (−£899) · maint 10% (−£899) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £271 |
| Monthly Cashflow (IO) | ●£231 |
| Cash-on-Cash Return | ●9.15% |
| 5-Year IRR | ●10.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,350 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,350 |
| Section 24 Extra Tax/yr (higher rate) | £652 |
| SPV Annual Saving | £1,533 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £100,857 |
| Less: Purchase Price | −£87,000 |
| Less: Buying Costs (SDLT + legal) | −£6,950 |
| Less: Selling Costs (est. 2.5%) | −£2,521 |
| = CGT Net Gain (5yr) | £4,386 |
| CGT at 24% | £333 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £637 | 8.8% | 5.2% | £23 | -3.0% |
| Conservative | £697 | 9.6% | 6.2% | £151 | 6.5% |
| Base | £749 | 10.3% | 6.9% | £230 | 10.7% |
| Optimistic | £809 | 11.2% | 7.7% | £317 | 15.4% |
| Bull | £884 | 12.2% | 8.8% | £417 | 21.4% |