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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the comparable sales mean — some negotiation possible but limited margin.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Bedroom 4 | £1,050 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | Elite Building Services | Builders Cambridge | 07482 007 555 | — |
| decorator | Giuseppe Piran: Painters and Decorators Cambridge | 01954 201167 | — |
| photographer | Elodie Giuge Photography | 07944 399893 | — |
Property Details
- Asking Price
- £700,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,400–1,500 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 3-5-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 5 | — | — | — | — |
| Sector sale 2 | Detached | 5 | — | — | — | — |
| Sector sale 3 | Detached | 3 | — | — | — | — |
| Sector sale 4 | Detached | 5 | — | — | — | — |
| Sector sale 5 | Detached | 5 | — | — | — | — |
| Sector sale 6 | Detached | 5 | — | — | — | — |
| Sector sale 7 | Detached | 5 | — | — | — | — |
■ 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
Standard — 1/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £2,183 |
| ICR (actual) | 1.21x |
| Feasibility | REFER |
| Notes: Rental coverage 87% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £700,000 |
| Deposit (25% — 75% LTV) | £175,000 |
| SDLT (additional property, 5% surcharge) | £60,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £237,999 |
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 | £700,000 | Loan (75% LTV) | £525,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,406 |
| Rent needed (1.5×) | £3,609/mo | Estimated rent | £2,651/mo |
| Stress ratio | 1.1× (need ≥ 1.5×) £958 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) | £755,000 |
| 75% remortgage | £566,250 |
| Cash left in deal | £147,549 (22% recycled) |
| Est. BTL cashflow | £-638/mo |
| Gross margin | +£55,000 |
| Reno cost (est.) | –£13,799 |
| Buy + sell costs | –£74,925 |
| Net profit | £-33,724 (-17.9% ROI) |
| SA gross/mo | £2,410 |
| SA net/mo | £1,971 |
| BTL est./mo | £2,648 |
| SA vs BTL uplift | £-238/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £753,823 | +£53,823 | £203,818 | +£28,818 (4.1%) |
| 5 years | £791,986 | +£91,986 | £232,249 | +£57,249 (8.2%) |
| 7 years | £832,080 | +£132,080 | £262,120 | +£87,120 (12.4%) |
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 | £31,780 | £721,000 | £22,437 | £-3,813 | £17,187 | 7.2% |
| Yr 3 | £33,389 | £764,909 | £23,595 | £-9,710 | £55,199 | 23.1% |
| Yr 5 | £35,079 | £811,492 | £24,812 | £-13,202 | £98,290 | 41.1% |
| Yr 10 | £39,689 | £940,741 | £28,131 | £-10,599 | £230,143 | 96.3% |
| Yr 15 | £44,904 | £1,090,577 | £31,886 | £9,886 | £400,463 | 167.5% |
| Yr 20 | £50,805 | £1,264,278 | £36,135 | £50,603 | £614,881 | 257.2% |
| Yr 25 | £57,481 | £1,465,645 | £40,942 | £114,209 | £879,854 | 368.0% |
| Yr 30 | £65,035 | £1,699,084 | £46,380 | £203,714 | £1,202,798 | 503.1% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,253 | 3.9% | 2.4% | £-1,416 | -16.3% |
| Conservative | £2,465 | 4.2% | 2.9% | £-718 | -4.7% |
| Base | £2,651 | 4.5% | 3.2% | £-316 | 0.2% |
| Optimistic | £2,863 | 4.9% | 3.6% | £113 | 5.7% |
| Bull | £3,128 | 5.4% | 4.0% | £590 | 12.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.54% |
| Net Yield | ●3.21% |
| Net Annual Income | £22,460 |
| Deductions: void 8% (−£2,542) · mgmt 10% (−£3,178) · maint 10% (−£3,178) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,183 |
| Monthly Cashflow (IO) | ●£-311 |
| Cash-on-Cash Return | ●-1.59% |
| 5-Year IRR | ●0.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £60,000 |
| SDLT Effective Rate | 8.57% |
| SDLT (Company) | £105,000 |
| Section 24 Extra Tax/yr (higher rate) | £4,930 |
| SPV Annual Saving | £4,930 |
| SPV Breakeven | 9.1 yrs |
| CGT Projected Sale (5yr) | £811,492 |
| Less: Purchase Price | −£700,000 |
| Less: Buying Costs (SDLT + legal) | −£62,600 |
| Less: Selling Costs (est. 2.5%) | −£20,287 |
| = CGT Net Gain (5yr) | £28,605 |
| CGT at 24% | £6,145 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,253 | 3.9% | 2.4% | £-1,416 | -16.3% |
| Conservative | £2,465 | 4.2% | 2.9% | £-718 | -4.7% |
| Base | £2,651 | 4.5% | 3.2% | £-316 | 0.2% |
| Optimistic | £2,863 | 4.9% | 3.6% | £113 | 5.7% |
| Bull | £3,128 | 5.4% | 4.0% | £590 | 12.7% |
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