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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 47% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £1,700 |
| Entrance Hall | £200 |
| Total Estimated Refurb | £4,500 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Burngreave Building Company: Sheffield Builders & Roofing ... | 0114 228 9110 | — |
| decorator | Richard Smithson Decorating Services: Home | 07831 588 477 | — |
| photographer | Melissa Sadler Photography | 04088097675 | — |
Property Details
- Asking Price
- £90,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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
🔍 Filtered to 1-2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 2 | — | — | — | — |
| Sector sale 4 | Flat | 2 | — | — | — | — |
| Sector sale 5 | Flat | 2 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
■ 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 estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 113 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £281 |
| ICR (actual) | 2.43x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £90,000 |
| Deposit (25% — 75% LTV) | £22,500 |
| SDLT (additional property, 5% surcharge) | £4,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £29,999 |
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 | £90,000 | Loan (75% LTV) | £67,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £309 |
| Rent needed (1.5×) | £464/mo | Estimated rent | £682/mo |
| Stress ratio | 2.2× (need ≥ 1.5×) +£218 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 |
| GDV (comp median) | £165,000 |
| 75% remortgage | £123,750 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-72/mo |
| Gross margin | +£75,000 |
| Reno cost (est.) | –£4,500 |
| Buy + sell costs | –£10,575 |
| Net profit | +£59,925 (221.9% ROI) |
| SA gross/mo | £1,299 |
| SA net/mo | £993 |
| BTL est./mo | £682 |
| SA vs BTL uplift | +£617/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £96,920 | +£6,920 | £25,526 | +£3,026 (3.4%) |
| 5 years | £101,827 | +£11,827 | £29,181 | +£6,681 (7.4%) |
| 7 years | £106,982 | +£16,982 | £33,021 | +£10,521 (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 | £8,181 | £92,700 | £5,445 | £2,070 | £4,770 | 15.3% |
| Yr 3 | £8,595 | £98,345 | £5,744 | £6,656 | £15,002 | 48.2% |
| Yr 5 | £9,030 | £104,335 | £6,057 | £11,861 | £26,196 | 84.2% |
| Yr 10 | £10,217 | £120,952 | £6,911 | £27,792 | £58,744 | 188.9% |
| Yr 15 | £11,560 | £140,217 | £7,878 | £48,325 | £98,542 | 316.9% |
| Yr 20 | £13,079 | £162,550 | £8,972 | £74,066 | £146,616 | 471.4% |
| Yr 25 | £14,797 | £188,440 | £10,209 | £105,700 | £204,140 | 656.4% |
| Yr 30 | £16,742 | £218,454 | £11,609 | £144,001 | £272,455 | 876.1% |
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 — Yorkshire ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 973 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £580 | 7.7% | 4.5% | £-26 | -6.0% |
| Conservative | £634 | 8.5% | 5.4% | £98 | 4.0% |
| Base | £682 | 9.1% | 6.1% | £173 | 8.3% |
| Optimistic | £737 | 9.8% | 6.8% | £255 | 13.2% |
| Bull | £805 | 10.7% | 7.7% | £350 | 19.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.09% |
| Net Yield | ●6.05% |
| Net Annual Income | £5,447 |
| Deductions: void 8% (−£654) · mgmt 10% (−£818) · maint 10% (−£818) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£173 |
| Cash-on-Cash Return | ●6.66% |
| 5-Year IRR | ●8.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,426 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £580 | 7.7% | 4.5% | £-26 | -6.0% |
| Conservative | £634 | 8.5% | 5.4% | £98 | 4.0% |
| Base | £682 | 9.1% | 6.1% | £173 | 8.3% |
| Optimistic | £737 | 9.8% | 6.8% | £255 | 13.2% |
| Bull | £805 | 10.7% | 7.7% | £350 | 19.4% |
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