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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 57% 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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £192,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 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 | 4 | — | — | — | — |
| Sector sale 4 | Detached | 4 | — | — | — | — |
| Sector sale 5 | 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
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £599 |
| ICR (actual) | 3.46x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £192,000 |
| Deposit (25% — 75% LTV) | £48,000 |
| SDLT (additional property, 5% surcharge) | £10,940 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £61,939 |
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 | £192,000 | Loan (75% LTV) | £144,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £660 |
| Rent needed (1.5×) | £990/mo | Estimated rent | £2,072/mo |
| Stress ratio | 3.14× (need ≥ 1.5×) +£1082 surplus | ||
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) | £406,667 |
| 75% remortgage | £305,000 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | +£76/mo |
| Gross margin | +£214,667 |
| Reno cost (est.) | –£15,000 |
| Buy + sell costs | –£20,640 |
| Net profit | +£179,027 (284.2% ROI) |
| SA gross/mo | £2,670 |
| SA net/mo | £2,200 |
| BTL est./mo | £2,072 |
| SA vs BTL uplift | +£598/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £206,763 | +£14,763 | £55,338 | +£7,338 (3.8%) |
| 5 years | £217,230 | +£25,230 | £63,137 | +£15,137 (7.9%) |
| 7 years | £228,228 | +£36,228 | £71,330 | +£23,330 (12.2%) |
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 | £24,864 | £197,760 | £17,457 | £10,257 | £16,017 | 25.4% |
| Yr 3 | £26,123 | £209,804 | £18,363 | £32,125 | £49,929 | 79.2% |
| Yr 5 | £27,445 | £222,581 | £19,316 | £55,874 | £86,455 | 137.1% |
| Yr 10 | £31,052 | £258,032 | £21,912 | £124,114 | £190,146 | 301.6% |
| Yr 15 | £35,132 | £299,130 | £24,850 | £206,344 | £313,474 | 497.3% |
| Yr 20 | £39,749 | £346,773 | £28,174 | £304,403 | £459,176 | 728.4% |
| Yr 25 | £44,972 | £402,005 | £31,935 | £420,370 | £630,375 | 1000.0% |
| Yr 30 | £50,882 | £466,034 | £36,190 | £556,600 | £830,634 | 1317.6% |
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 | £1,761 | 11.0% | 6.9% | £328 | 6.0% |
| Conservative | £1,927 | 12.0% | 8.2% | £652 | 14.4% |
| Base | £2,072 | 13.0% | 9.1% | £855 | 18.2% |
| Optimistic | £2,238 | 14.0% | 10.1% | £1,079 | 22.7% |
| Bull | £2,445 | 15.3% | 11.4% | £1,341 | 28.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.95% |
| Net Yield | ●9.09% |
| Net Annual Income | £17,457 |
| Deductions: void 8% (−£1,989) · mgmt 10% (−£2,486) · maint 10% (−£2,486) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £599 |
| Monthly Cashflow (IO) | ●£856 |
| Cash-on-Cash Return | ●16.27% |
| 5-Year IRR | ●18.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,940 |
| SDLT Effective Rate | 5.7% |
| SDLT (Company) | £10,940 |
| Section 24 Extra Tax/yr (higher rate) | £1,440 |
| SPV Annual Saving | £3,952 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £222,581 |
| Less: Purchase Price | −£192,000 |
| Less: Buying Costs (SDLT + legal) | −£13,540 |
| Less: Selling Costs (est. 2.5%) | −£5,565 |
| = CGT Net Gain (5yr) | £11,476 |
| CGT at 24% | £2,034 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,761 | 11.0% | 6.9% | £328 | 6.0% |
| Conservative | £1,927 | 12.0% | 8.2% | £652 | 14.4% |
| Base | £2,072 | 13.0% | 9.1% | £855 | 18.2% |
| Optimistic | £2,238 | 14.0% | 10.1% | £1,079 | 22.7% |
| Bull | £2,445 | 15.3% | 11.4% | £1,341 | 28.4% |
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