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Link Detached House · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 25% below the area median — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- Link Detached House
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 2-4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 4 | — | — | — | — |
■ Above subject ■ Below subject
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
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 | £1,092 |
| ICR (actual) | 1.31x |
| Feasibility | REFER |
| Notes: Rental coverage 94% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £350,000 |
| Deposit (25% — 75% LTV) | £87,500 |
| SDLT (additional property, 5% surcharge) | £25,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £115,499 |
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 | £350,000 | Loan (75% LTV) | £262,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,203 |
| Rent needed (1.5×) | £1,805/mo | Estimated rent | £1,431/mo |
| Stress ratio | 1.19× (need ≥ 1.5×) £374 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 |
| GDV (comp median) | £402,500 |
| 75% remortgage | £301,875 |
| Cash left in deal | £63,125 (38% recycled) |
| Est. BTL cashflow | £-327/mo |
| Gross margin | £-60,400 |
| Reno cost (est.) | –£15,000 |
| Buy + sell costs | –£32,944 |
| Net profit | £-108,344 (-105.7% ROI) |
| SA gross/mo | £1,170 |
| SA net/mo | £880 |
| BTL est./mo | £1,432 |
| SA vs BTL uplift | £-262/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £376,912 | +£26,912 | £101,519 | +£14,019 (4.0%) |
| 5 years | £395,993 | +£45,993 | £115,735 | +£28,235 (8.1%) |
| 7 years | £416,040 | +£66,040 | £130,670 | +£43,170 (12.3%) |
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.
Finance This Investment
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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 | £17,185 | £360,500 | £11,928 | £-1,197 | £9,303 | 8.0% |
| Yr 3 | £18,055 | £382,454 | £12,555 | £-2,655 | £29,800 | 25.6% |
| Yr 5 | £18,969 | £405,746 | £13,213 | £-2,812 | £52,934 | 45.4% |
| Yr 10 | £21,462 | £470,371 | £15,007 | £2,922 | £123,292 | 105.7% |
| Yr 15 | £24,282 | £545,289 | £17,038 | £18,325 | £213,614 | 183.2% |
| Yr 20 | £27,473 | £632,139 | £19,335 | £44,669 | £326,808 | 280.3% |
| Yr 25 | £31,083 | £732,822 | £21,935 | £83,391 | £466,213 | 399.8% |
| Yr 30 | £35,168 | £849,542 | £24,876 | £136,117 | £635,659 | 545.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,216 | 4.2% | 2.6% | £-668 | -15.1% |
| Conservative | £1,331 | 4.6% | 3.1% | £-309 | -3.6% |
| Base | £1,431 | 4.9% | 3.4% | £-101 | 1.3% |
| Optimistic | £1,545 | 5.3% | 3.8% | £122 | 6.8% |
| Bull | £1,689 | 5.8% | 4.3% | £371 | 13.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.91% |
| Net Yield | ●3.41% |
| Net Annual Income | £11,919 |
| Deductions: void 8% (−£1,375) · mgmt 10% (−£1,718) · maint 10% (−£1,718) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£-99 |
| Cash-on-Cash Return | ●-1.03% |
| 5-Year IRR | ●1.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £2,870 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,216 | 4.2% | 2.6% | £-668 | -15.1% |
| Conservative | £1,331 | 4.6% | 3.1% | £-309 | -3.6% |
| Base | £1,431 | 4.9% | 3.4% | £-101 | 1.3% |
| Optimistic | £1,545 | 5.3% | 3.8% | £122 | 6.8% |
| Bull | £1,689 | 5.8% | 4.3% | £371 | 13.8% |
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