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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 43% above the comparable sales mean. Offers anchored to comparable sales mean of £98,000.
🔨 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 | Kemp construction services | +447926976527 | — |
| decorator | Painter & Decorator Doncaster, Commercial & Residential ... | 03486980896 | — |
| photographer | Doncaster Best Photographers | 07742 241637 | — |
Property Details
- Asking Price
- £140,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
Comparable Sales in this postcode sector
🔍 Filtered to 3-5-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 5 | — | — | — | — |
| Sector sale 3 | Terraced | 5 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Terraced | 5 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 5 | — | — | — | — |
| Sector sale 8 | Terraced | 3 | — | — | — | — |
| Sector sale 9 | Terraced | 3 | — | — | — | — |
| Sector sale 10 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 59.8% (threshold: 40%). Comparable prices in this sector vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 1/10Behavioural signals: 5.9% price cut
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £452 |
| ICR (actual) | 2.35x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £140,000 |
| Deposit (25% — 75% LTV) | £35,000 |
| SDLT (additional property, 5% surcharge) | £7,650 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £45,649 |
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 | £140,000 | Loan (75% LTV) | £105,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £481 |
| Rent needed (1.5×) | £722/mo | Estimated rent | £1,061/mo |
| Stress ratio | 2.2× (need ≥ 1.5×) +£339 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 | £2,398 |
| SA net/mo | £1,960 |
| BTL est./mo | £1,024 |
| SA vs BTL uplift | +£1,374/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £150,765 | +£10,765 | £40,140 | +£5,140 (3.7%) |
| 5 years | £158,397 | +£18,397 | £45,826 | +£10,826 (7.7%) |
| 7 years | £166,416 | +£26,416 | £51,800 | +£16,800 (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 | £12,731 | £149,350 | £8,721 | £3,284 | £7,634 | 15.9% |
| Yr 3 | £13,376 | £158,445 | £9,185 | £10,545 | £23,990 | 50.0% |
| Yr 5 | £14,053 | £168,095 | £9,673 | £18,769 | £41,863 | 87.2% |
| Yr 10 | £15,899 | £194,868 | £11,002 | £43,869 | £93,737 | 195.3% |
| Yr 15 | £17,989 | £225,905 | £12,507 | £76,132 | £157,038 | 327.2% |
| Yr 20 | £20,352 | £261,886 | £14,209 | £116,501 | £233,387 | 486.2% |
| Yr 25 | £23,027 | £303,598 | £16,134 | £166,038 | £324,636 | 676.3% |
| Yr 30 | £26,053 | £351,953 | £18,313 | £225,951 | £432,904 | 901.9% |
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 | £902 | 7.5% | 4.5% | £-40 | -5.3% |
| Conservative | £987 | 8.2% | 5.4% | £155 | 4.8% |
| Base | £1,061 | 8.8% | 6.0% | £274 | 9.1% |
| Optimistic | £1,146 | 9.5% | 6.7% | £403 | 14.1% |
| Bull | £1,252 | 10.4% | 7.6% | £552 | 20.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.78% |
| Net Yield | ●6.02% |
| Net Annual Income | £8,722 |
| Deductions: void 8% (−£983) · mgmt 10% (−£1,229) · maint 10% (−£1,229) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£275 |
| Cash-on-Cash Return | ●6.84% |
| 5-Year IRR | ●9.1% |
● 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 | £2,166 |
| 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 | £902 | 7.5% | 4.5% | £-40 | -5.3% |
| Conservative | £987 | 8.2% | 5.4% | £155 | 4.8% |
| Base | £1,061 | 8.8% | 6.0% | £274 | 9.1% |
| Optimistic | £1,146 | 9.5% | 6.7% | £403 | 14.1% |
| Bull | £1,252 | 10.4% | 7.6% | £552 | 20.4% |
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