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Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 16% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · 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 | Trusted Builders in Brighton & Hove - AM General Building | 01273 905407 | — |
| decorator | Painting and Decorating - Bishops Home Improvements Brighton | 01273041126 | — |
| photographer | Brighton Photography Gallery | 01273 000 222 | — |
Property Details
- Asking Price
- £325,000
- Property Type
- Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | — | — | — | — |
| Sector sale 2 | Detached | 4 | — | — | — | — |
| Sector sale 3 | Detached | 3 | — | — | — | — |
| Sector sale 4 | Detached | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 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 — 3/10Behavioural signals: 70 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,014 |
| ICR (actual) | 1.28x |
| Feasibility | REFER |
| Notes: Rental coverage 91% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £325,000 |
| Deposit (25% — 75% LTV) | £81,250 |
| SDLT (additional property, 5% surcharge) | £22,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £106,749 |
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 | £325,000 | Loan (75% LTV) | £243,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,117 |
| Rent needed (1.5×) | £1,676/mo | Estimated rent | £1,293/mo |
| Stress ratio | 1.16× (need ≥ 1.5×) £383 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) | £390,000 |
| 75% remortgage | £292,500 |
| Cash left in deal | £47,500 (51% recycled) |
| Est. BTL cashflow | £-379/mo |
| Gross margin | +£65,000 |
| Reno cost (est.) | –£15,000 |
| Buy + sell costs | –£31,950 |
| Net profit | +£18,050 (18.8% ROI) |
| SA gross/mo | £1,170 |
| SA net/mo | £880 |
| BTL est./mo | £1,292 |
| SA vs BTL uplift | £-122/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £349,989 | +£24,989 | £94,212 | +£12,962 (4.0%) |
| 5 years | £367,708 | +£42,708 | £107,412 | +£26,162 (8.0%) |
| 7 years | £386,323 | +£61,323 | £121,281 | +£40,031 (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.
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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 | £15,502 | £334,750 | £10,717 | £-1,471 | £8,279 | 7.7% |
| Yr 3 | £16,287 | £355,136 | £11,282 | £-3,568 | £26,568 | 24.6% |
| Yr 5 | £17,112 | £376,764 | £11,876 | £-4,492 | £47,272 | 43.8% |
| Yr 10 | £19,360 | £436,773 | £13,495 | £-1,275 | £110,498 | 102.5% |
| Yr 15 | £21,905 | £506,339 | £15,326 | £10,665 | £192,004 | 178.0% |
| Yr 20 | £24,783 | £586,986 | £17,399 | £32,474 | £294,461 | 273.0% |
| Yr 25 | £28,040 | £680,478 | £19,744 | £65,450 | £420,927 | 390.3% |
| Yr 30 | £31,724 | £788,860 | £22,397 | £111,058 | £574,918 | 533.1% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,099 | 4.1% | 2.5% | £-643 | -15.5% |
| Conservative | £1,202 | 4.4% | 3.0% | £-313 | -3.8% |
| Base | £1,293 | 4.8% | 3.3% | £-122 | 1.1% |
| Optimistic | £1,396 | 5.2% | 3.7% | £82 | 6.7% |
| Bull | £1,526 | 5.6% | 4.1% | £310 | 13.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.77% |
| Net Yield | ●3.3% |
| Net Annual Income | £10,727 |
| Deductions: void 8% (−£1,240) · mgmt 10% (−£1,550) · maint 10% (−£1,550) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,014 |
| Monthly Cashflow (IO) | ●£-120 |
| Cash-on-Cash Return | ●-1.35% |
| 5-Year IRR | ●1.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,500 |
| SDLT Effective Rate | 6.92% |
| SDLT (Company) | £22,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,438 |
| SPV Annual Saving | £2,528 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £376,764 |
| Less: Purchase Price | −£325,000 |
| Less: Buying Costs (SDLT + legal) | −£25,100 |
| Less: Selling Costs (est. 2.5%) | −£9,419 |
| = CGT Net Gain (5yr) | £17,245 |
| CGT at 24% | £3,419 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,099 | 4.1% | 2.5% | £-643 | -15.5% |
| Conservative | £1,202 | 4.4% | 3.0% | £-313 | -3.8% |
| Base | £1,293 | 4.8% | 3.3% | £-122 | 1.1% |
| Optimistic | £1,396 | 5.2% | 3.7% | £82 | 6.7% |
| Bull | £1,526 | 5.6% | 4.1% | £310 | 13.6% |
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