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Flat · 2 bed
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Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 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 | Builders | Bristol - Mogford Prescott Ltd | 0117 205 0596 | — |
| decorator | Painting & Decorating in BRISTOL - BRISTOL Painter - Local ... | 07938011715 | — |
| photographer | Boys In Bristol Photography | 07376 126506 | — |
Property Details
- Asking Price
- £335,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 3 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 2 | — | — | — | — |
| Sector sale 5 | Flat | 2 | — | — | — | — |
| Sector sale 6 | Flat | 3 | — | — | — | — |
| Sector sale 7 | Flat | 2 | — | — | — | — |
| Sector sale 8 | Flat | 2 | — | — | — | — |
| Sector sale 9 | Flat | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 9 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
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,045 |
| ICR (actual) | 1.28x |
| Feasibility | REFER |
| Notes: Rental coverage 91% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £335,000 |
| Deposit (25% — 75% LTV) | £83,750 |
| SDLT (additional property, 5% surcharge) | £23,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £110,249 |
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 | £335,000 | Loan (75% LTV) | £251,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,152 |
| Rent needed (1.5×) | £1,727/mo | Estimated rent | £1,339/mo |
| Stress ratio | 1.16× (need ≥ 1.5×) £388 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 |
| Cash left in deal | Unknown |
| SA gross/mo | £1,561 |
| SA net/mo | £1,224 |
| BTL est./mo | £1,340 |
| SA vs BTL uplift | +£221/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £360,758 | +£25,758 | £97,135 | +£13,385 (4.0%) |
| 5 years | £379,022 | +£44,022 | £110,741 | +£26,991 (8.1%) |
| 7 years | £398,210 | +£63,210 | £125,036 | +£41,286 (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 | £16,080 | £345,050 | £11,133 | £-1,430 | £8,620 | 7.7% |
| Yr 3 | £16,894 | £366,064 | £11,719 | £-3,414 | £27,649 | 24.8% |
| Yr 5 | £17,749 | £388,357 | £12,335 | £-4,182 | £49,175 | 44.2% |
| Yr 10 | £20,082 | £450,212 | £14,014 | £-367 | £114,845 | 103.1% |
| Yr 15 | £22,721 | £521,919 | £15,914 | £12,496 | £199,415 | 179.1% |
| Yr 20 | £25,706 | £605,047 | £18,064 | £35,596 | £305,643 | 274.5% |
| Yr 25 | £29,084 | £701,416 | £20,496 | £70,277 | £436,693 | 392.2% |
| Yr 30 | £32,906 | £813,133 | £23,247 | £118,063 | £596,196 | 535.4% |
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 West England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 987 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,138 | 4.1% | 2.5% | £-658 | -15.4% |
| Conservative | £1,245 | 4.5% | 3.0% | £-317 | -3.8% |
| Base | £1,339 | 4.8% | 3.3% | £-120 | 1.1% |
| Optimistic | £1,446 | 5.2% | 3.7% | £91 | 6.7% |
| Bull | £1,580 | 5.7% | 4.2% | £326 | 13.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.8% |
| Net Yield | ●3.32% |
| Net Annual Income | £11,124 |
| Deductions: void 8% (−£1,286) · mgmt 10% (−£1,608) · maint 10% (−£1,608) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,045 |
| Monthly Cashflow (IO) | ●£-118 |
| Cash-on-Cash Return | ●-1.29% |
| 5-Year IRR | ●1.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £23,500 |
| SDLT Effective Rate | 7.01% |
| SDLT (Company) | £23,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,513 |
| SPV Annual Saving | £2,629 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £388,357 |
| Less: Purchase Price | −£335,000 |
| Less: Buying Costs (SDLT + legal) | −£26,100 |
| Less: Selling Costs (est. 2.5%) | −£9,709 |
| = CGT Net Gain (5yr) | £17,548 |
| CGT at 24% | £3,491 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,138 | 4.1% | 2.5% | £-658 | -15.4% |
| Conservative | £1,245 | 4.5% | 3.0% | £-317 | -3.8% |
| Base | £1,339 | 4.8% | 3.3% | £-120 | 1.1% |
| Optimistic | £1,446 | 5.2% | 3.7% | £91 | 6.7% |
| Bull | £1,580 | 5.7% | 4.2% | £326 | 13.6% |
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