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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 35% above the comparable sales mean. Offers anchored to comparable sales mean of £257,000.
🔨 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 | 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
- £347,500
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 3 | — | — | — | — |
| Sector sale 2 | Semi | 3 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
| Sector sale 4 | Semi | 3 | — | — | — | — |
| Sector sale 5 | Semi | 3 | — | — | — | — |
| Sector sale 6 | Semi | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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
Standard — 2/10Behavioural signals: 156 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,084 |
| ICR (actual) | 1.52x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 109% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £347,500 |
| Deposit (25% — 75% LTV) | £86,875 |
| SDLT (additional property, 5% surcharge) | £24,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £114,624 |
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 | £347,500 | Loan (75% LTV) | £260,625 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,195 |
| Rent needed (1.5×) | £1,792/mo | Estimated rent | £1,650/mo |
| Stress ratio | 1.38× (need ≥ 1.5×) £142 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 | £1,366 |
| SA net/mo | £1,052 |
| BTL est./mo | £1,651 |
| SA vs BTL uplift | £-285/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £374,219 | +£26,719 | £100,789 | +£13,914 (4.0%) |
| 5 years | £393,164 | +£45,664 | £114,902 | +£28,027 (8.1%) |
| 7 years | £413,068 | +£65,568 | £129,731 | +£42,856 (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 | £19,808 | £357,925 | £13,816 | £785 | £11,210 | 9.7% |
| Yr 3 | £20,810 | £379,723 | £14,538 | £3,434 | £35,657 | 30.8% |
| Yr 5 | £21,864 | £402,848 | £15,297 | £7,581 | £62,929 | 54.4% |
| Yr 10 | £24,737 | £467,011 | £17,366 | £25,013 | £144,524 | 124.9% |
| Yr 15 | £27,987 | £541,394 | £19,706 | £53,591 | £247,484 | 213.9% |
| Yr 20 | £31,665 | £627,624 | £22,354 | £94,778 | £374,901 | 324.0% |
| Yr 25 | £35,826 | £727,588 | £25,350 | £150,231 | £530,319 | 458.3% |
| Yr 30 | £40,534 | £843,474 | £28,740 | £221,827 | £717,800 | 620.3% |
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% | £-537 | -13.0% |
| Conservative | £1,534 | 5.3% | 3.6% | £-157 | -1.8% |
| Base | £1,650 | 5.7% | 4.0% | £65 | 2.9% |
| Optimistic | £1,782 | 6.2% | 4.4% | £304 | 8.4% |
| Bull | £1,947 | 6.7% | 5.0% | £574 | 15.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.7% |
| Net Yield | ●3.97% |
| 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 | £1,084 |
| Monthly Cashflow (IO) | ●£67 |
| Cash-on-Cash Return | ●0.67% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £24,750 |
| SDLT Effective Rate | 7.12% |
| SDLT (Company) | £24,750 |
| Section 24 Extra Tax/yr (higher rate) | £2,606 |
| SPV Annual Saving | £3,535 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £402,848 |
| Less: Purchase Price | −£347,500 |
| Less: Buying Costs (SDLT + legal) | −£27,350 |
| Less: Selling Costs (est. 2.5%) | −£10,071 |
| = CGT Net Gain (5yr) | £17,927 |
| CGT at 24% | £3,582 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,402 | 4.8% | 3.0% | £-537 | -13.0% |
| Conservative | £1,534 | 5.3% | 3.6% | £-157 | -1.8% |
| Base | £1,650 | 5.7% | 4.0% | £65 | 2.9% |
| Optimistic | £1,782 | 6.2% | 4.4% | £304 | 8.4% |
| Bull | £1,947 | 6.7% | 5.0% | £574 | 15.2% |
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