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End of Terrace · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 21% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,350 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Master Bedroom | £1,700 |
| Bedroom 2 | £1,700 |
| Entrance Hall | £300 |
| Total Estimated Refurb | £10,560 |
⚠ 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 | FORTY BUILDERS LTD | 07817 269005 | — |
| decorator | Tor Decorators Cardiff | 07776 006790 | — |
| photographer | ZEE Boryczewski Wedding Photographer Cardiff, South Wales, UK | 09435573444 | — |
Property Details
- Asking Price
- £215,000
- Property Type
- End of Terrace
- Bedrooms
- 2
- 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
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 1 | — | — | — | — |
| Sector sale 2 | Terraced | 4 | — | — | — | — |
| Sector sale 3 | Terraced | 6 | — | — | — | — |
| Sector sale 4 | Terraced | 5 | — | — | — | — |
| Sector sale 5 | Terraced | 5 | — | — | — | — |
| Sector sale 6 | Terraced | 5 | — | — | — | — |
| Sector sale 7 | Terraced | 5 | — | — | — | — |
| Sector sale 8 | Terraced | 7 | — | — | — | — |
| Sector sale 9 | Terraced | 9 | — | — | — | — |
| Sector sale 10 | Terraced | 6 | — | — | — | — |
■ 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 — 3/10Behavioural signals: 77 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £671 |
| ICR (actual) | 2.31x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £215,000 |
| Deposit (25% — 75% LTV) | £53,750 |
| SDLT (additional property, 5% surcharge) | £12,550 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £69,299 |
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 | £215,000 | Loan (75% LTV) | £161,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £739 |
| Rent needed (1.5×) | £1,109/mo | Estimated rent | £1,550/mo |
| Stress ratio | 2.1× (need ≥ 1.5×) +£441 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) | £275,000 |
| 75% remortgage | £206,250 |
| Cash left in deal | £19,310 (70% recycled) |
| Est. BTL cashflow | +£148/mo |
| Gross margin | +£60,000 |
| Reno cost (est.) | –£10,560 |
| Buy + sell costs | –£20,275 |
| Net profit | +£29,165 (45.4% ROI) |
| SA gross/mo | £981 |
| SA net/mo | £713 |
| BTL est./mo | £1,550 |
| SA vs BTL uplift | £-569/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £231,531 | +£16,531 | £62,061 | +£8,311 (3.9%) |
| 5 years | £243,253 | +£28,253 | £70,793 | +£17,043 (7.9%) |
| 7 years | £255,567 | +£40,567 | £79,968 | +£26,218 (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 | £18,598 | £221,450 | £12,945 | £4,883 | £11,333 | 16.1% |
| Yr 3 | £19,539 | £234,936 | £13,623 | £15,661 | £35,597 | 50.6% |
| Yr 5 | £20,528 | £249,244 | £14,335 | £27,846 | £62,090 | 88.2% |
| Yr 10 | £23,226 | £288,942 | £16,278 | £64,941 | £138,883 | 197.3% |
| Yr 15 | £26,278 | £334,963 | £18,475 | £112,500 | £232,463 | 330.2% |
| Yr 20 | £29,731 | £388,314 | £20,961 | £171,898 | £345,212 | 490.4% |
| Yr 25 | £33,638 | £450,162 | £23,774 | £244,692 | £479,854 | 681.6% |
| Yr 30 | £38,058 | £521,861 | £26,957 | £332,641 | £639,502 | 908.4% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,318 | 7.4% | 4.6% | £-54 | -5.0% |
| Conservative | £1,442 | 8.0% | 5.4% | £233 | 4.9% |
| Base | £1,550 | 8.7% | 6.0% | £407 | 9.3% |
| Optimistic | £1,674 | 9.3% | 6.7% | £597 | 14.3% |
| Bull | £1,829 | 10.2% | 7.6% | £815 | 20.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.65% |
| Net Yield | ●6.02% |
| Net Annual Income | £12,947 |
| Deductions: void 8% (−£1,488) · mgmt 10% (−£1,860) · maint 10% (−£1,860) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £671 |
| Monthly Cashflow (IO) | ●£408 |
| Cash-on-Cash Return | ●6.94% |
| 5-Year IRR | ●9.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,550 |
| SDLT Effective Rate | 5.84% |
| SDLT (Company) | £12,550 |
| Section 24 Extra Tax/yr (higher rate) | £1,612 |
| SPV Annual Saving | £3,119 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £249,244 |
| Less: Purchase Price | −£215,000 |
| Less: Buying Costs (SDLT + legal) | −£15,150 |
| Less: Selling Costs (est. 2.5%) | −£6,231 |
| = CGT Net Gain (5yr) | £12,863 |
| CGT at 24% | £2,367 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,318 | 7.4% | 4.6% | £-54 | -5.0% |
| Conservative | £1,442 | 8.0% | 5.4% | £233 | 4.9% |
| Base | £1,550 | 8.7% | 6.0% | £407 | 9.3% |
| Optimistic | £1,674 | 9.3% | 6.7% | £597 | 14.3% |
| Bull | £1,829 | 10.2% | 7.6% | £815 | 20.7% |
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