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Detached Bungalow · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 48% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,000 |
| Bathroom | £1,450 |
| Living Room | £850 |
| Hallway / Stairs | £350 |
| Master Bedroom | £950 |
| Bedroom 2 | £950 |
| Total Estimated Refurb | £5,500 |
⚠ 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 | 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
- £350,000
- Property Type
- Detached Bungalow
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 1,400–1,500 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
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 6 | — | — | — | — |
| Sector sale 2 | Detached | 5 | — | — | — | — |
| Sector sale 3 | Detached | 6 | — | — | — | — |
| Sector sale 4 | Detached | 4 | — | — | — | — |
| Sector sale 5 | Detached | 5 | — | — | — | — |
| Sector sale 6 | Detached | 6 | — | — | — | — |
| Sector sale 7 | Detached | 6 | — | — | — | — |
| Sector sale 8 | Detached | 5 | — | — | — | — |
| Sector sale 9 | Detached | 8 | — | — | — | — |
| Sector sale 10 | Detached | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 98 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,092 |
| ICR (actual) | 1.51x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 108% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £350,000 |
| Deposit (25% — 75% LTV) | £87,500 |
| SDLT (additional property, 5% surcharge) | £25,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £115,499 |
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 | £350,000 | Loan (75% LTV) | £262,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,203 |
| Rent needed (1.5×) | £1,805/mo | Estimated rent | £1,650/mo |
| Stress ratio | 1.37× (need ≥ 1.5×) £155 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) | £540,000 |
| 75% remortgage | £405,000 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-614/mo |
| Gross margin | +£190,000 |
| Reno cost (est.) | –£5,500 |
| Buy + sell costs | –£36,700 |
| Net profit | +£147,800 (158.9% ROI) |
| SA gross/mo | £1,517 |
| SA net/mo | £1,185 |
| BTL est./mo | £1,651 |
| SA vs BTL uplift | £-134/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £376,912 | +£26,912 | £101,519 | +£14,019 (4.0%) |
| 5 years | £395,993 | +£45,993 | £115,735 | +£28,235 (8.1%) |
| 7 years | £416,040 | +£66,040 | £130,670 | +£43,170 (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 | £19,810 | £360,500 | £13,818 | £693 | £11,193 | 9.6% |
| Yr 3 | £20,813 | £382,454 | £14,540 | £3,158 | £35,613 | 30.5% |
| Yr 5 | £21,867 | £405,746 | £15,299 | £7,122 | £62,868 | 53.9% |
| Yr 10 | £24,740 | £470,371 | £17,368 | £24,096 | £144,467 | 123.9% |
| Yr 15 | £27,991 | £545,289 | £19,709 | £52,217 | £247,505 | 212.3% |
| Yr 20 | £31,669 | £632,139 | £22,357 | £92,949 | £375,087 | 321.7% |
| Yr 25 | £35,831 | £732,822 | £25,353 | £147,949 | £530,771 | 455.2% |
| Yr 30 | £40,539 | £849,542 | £28,743 | £219,093 | £718,635 | 616.3% |
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 — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,402 | 4.8% | 3.0% | £-547 | -13.1% |
| Conservative | £1,534 | 5.3% | 3.6% | £-166 | -1.9% |
| Base | £1,650 | 5.7% | 3.9% | £57 | 2.9% |
| Optimistic | £1,782 | 6.1% | 4.4% | £297 | 8.3% |
| Bull | £1,947 | 6.7% | 4.9% | £568 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.66% |
| Net Yield | ●3.95% |
| Net Annual Income | £13,811 |
| Deductions: void 8% (−£1,585) · mgmt 10% (−£1,981) · maint 10% (−£1,981) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£59 |
| Cash-on-Cash Return | ●0.59% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,539 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,402 | 4.8% | 3.0% | £-547 | -13.1% |
| Conservative | £1,534 | 5.3% | 3.6% | £-166 | -1.9% |
| Base | £1,650 | 5.7% | 3.9% | £57 | 2.9% |
| Optimistic | £1,782 | 6.1% | 4.4% | £297 | 8.3% |
| Bull | £1,947 | 6.7% | 4.9% | £568 | 15.1% |
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