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Ground Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 78% below the area median — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Master Bedroom | £700 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,800 |
⚠ 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £45,000
- Property Type
- Ground Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | — | — | — | — |
■ 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
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £140 |
| ICR (actual) | 3.85x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £45,000 |
| Deposit (25% — 75% LTV) | £11,250 |
| SDLT (additional property, 5% surcharge) | £2,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £16,499 |
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 | £45,000 | Loan (75% LTV) | £33,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £155 |
| Rent needed (1.5×) | £232/mo | Estimated rent | £540/mo |
| Stress ratio | 3.49× (need ≥ 1.5×) +£308 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) | £55,000 |
| 75% remortgage | £41,250 |
| Cash left in deal | £5,550 (57% recycled) |
| Est. BTL cashflow | +£179/mo |
| Gross margin | +£10,000 |
| Reno cost (est.) | –£1,800 |
| Buy + sell costs | –£6,675 |
| Net profit | +£1,525 (11.7% ROI) |
| SA gross/mo | £984 |
| SA net/mo | £716 |
| BTL est./mo | £540 |
| SA vs BTL uplift | +£444/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £48,460 | +£3,460 | £12,373 | +£1,123 (2.5%) |
| 5 years | £50,913 | +£5,913 | £14,200 | +£2,950 (6.6%) |
| 7 years | £53,491 | +£8,491 | £16,121 | +£4,871 (10.8%) |
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 | £6,480 | £46,350 | £4,221 | £2,533 | £3,883 | 22.1% |
| Yr 3 | £6,808 | £49,173 | £4,457 | £7,952 | £12,125 | 68.9% |
| Yr 5 | £7,153 | £52,167 | £4,705 | £13,861 | £21,029 | 119.5% |
| Yr 10 | £8,093 | £60,476 | £5,382 | £30,945 | £46,422 | 263.8% |
| Yr 15 | £9,156 | £70,109 | £6,147 | £51,676 | £76,784 | 436.3% |
| Yr 20 | £10,359 | £81,275 | £7,014 | £76,531 | £112,806 | 640.9% |
| Yr 25 | £11,721 | £94,220 | £7,994 | £106,054 | £155,274 | 882.2% |
| Yr 30 | £13,261 | £109,227 | £9,103 | £140,857 | £205,084 | 1165.3% |
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: 243 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £459 | 12.2% | 7.0% | £78 | 2.2% |
| Conservative | £502 | 13.4% | 8.4% | £160 | 10.7% |
| Base | £540 | 14.4% | 9.4% | £211 | 14.2% |
| Optimistic | £583 | 15.6% | 10.5% | £268 | 18.4% |
| Bull | £637 | 17.0% | 11.9% | £335 | 23.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●14.4% |
| Net Yield | ●9.38% |
| Net Annual Income | £4,221 |
| Deductions: void 8% (−£518) · mgmt 10% (−£648) · maint 10% (−£648) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £140 |
| Monthly Cashflow (IO) | ●£212 |
| Cash-on-Cash Return | ●14.39% |
| 5-Year IRR | ●14.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,250 |
| Section 24 Extra Tax/yr (higher rate) | £337 |
| SPV Annual Saving | £1,103 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £52,167 |
| Less: Purchase Price | −£45,000 |
| Less: Buying Costs (SDLT + legal) | −£4,850 |
| Less: Selling Costs (est. 2.5%) | −£1,304 |
| = CGT Net Gain (5yr) | £1,013 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £459 | 12.2% | 7.0% | £78 | 2.2% |
| Conservative | £502 | 13.4% | 8.4% | £160 | 10.7% |
| Base | £540 | 14.4% | 9.4% | £211 | 14.2% |
| Optimistic | £583 | 15.6% | 10.5% | £268 | 18.4% |
| Bull | £637 | 17.0% | 11.9% | £335 | 23.7% |
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