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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 24% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £3,450 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Burngreave Building Company: Sheffield Builders & Roofing ... | 0114 228 9110 | — |
| decorator | Richard Smithson Decorating Services: Home | 07831 588 477 | — |
| photographer | Melissa Sadler Photography | 04088097675 | — |
Property Details
- Asking Price
- £87,500
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 400–500 sqft
- 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 | Flat | 2 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 3 | — | — | — | — |
| Sector sale 4 | Flat | 3 | — | — | — | — |
| Sector sale 5 | Flat | 3 | — | — | — | — |
| Sector sale 6 | Flat | 2 | — | — | — | — |
| Sector sale 7 | Flat | 3 | — | — | — | — |
| Sector sale 8 | Flat | 3 | — | — | — | — |
| Sector sale 9 | Flat | 3 | — | — | — | — |
| Sector sale 10 | Flat | 5 | — | — | — | — |
■ 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: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £273 |
| ICR (actual) | 2.5x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £87,500 |
| Deposit (25% — 75% LTV) | £21,875 |
| SDLT (additional property, 5% surcharge) | £4,375 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £29,249 |
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 | £87,500 | Loan (75% LTV) | £65,625 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £301 |
| Rent needed (1.5×) | £451/mo | Estimated rent | £682/mo |
| Stress ratio | 2.27× (need ≥ 1.5×) +£231 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) | £120,000 |
| 75% remortgage | £90,000 |
| Cash left in deal | £8,300 (75% recycled) |
| Est. BTL cashflow | +£68/mo |
| Gross margin | +£32,500 |
| Reno cost (est.) | –£10,800 |
| Buy + sell costs | –£9,775 |
| Net profit | +£11,925 (36.5% ROI) |
| SA gross/mo | £1,299 |
| SA net/mo | £993 |
| BTL est./mo | £682 |
| SA vs BTL uplift | +£617/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £94,228 | +£6,728 | £24,795 | +£2,920 (3.3%) |
| 5 years | £98,998 | +£11,498 | £28,349 | +£6,474 (7.4%) |
| 7 years | £104,010 | +£16,510 | £32,082 | +£10,207 (11.7%) |
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 | £8,181 | £90,125 | £5,446 | £2,164 | £4,789 | 15.8% |
| Yr 3 | £8,595 | £95,614 | £5,744 | £6,938 | £15,052 | 49.6% |
| Yr 5 | £9,031 | £101,436 | £6,057 | £12,331 | £26,268 | 86.5% |
| Yr 10 | £10,217 | £117,593 | £6,911 | £28,731 | £58,824 | 193.8% |
| Yr 15 | £11,560 | £136,322 | £7,878 | £49,734 | £98,556 | 324.7% |
| Yr 20 | £13,079 | £158,035 | £8,972 | £75,946 | £146,481 | 482.6% |
| Yr 25 | £14,798 | £183,206 | £10,209 | £108,050 | £203,756 | 671.4% |
| Yr 30 | £16,742 | £212,385 | £11,609 | £146,821 | £271,707 | 895.2% |
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 — Yorkshire ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 106 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £580 | 8.0% | 4.7% | £-16 | -5.5% |
| Conservative | £634 | 8.7% | 5.6% | £106 | 4.5% |
| Base | £682 | 9.4% | 6.2% | £181 | 8.7% |
| Optimistic | £737 | 10.1% | 7.0% | £262 | 13.6% |
| Bull | £805 | 11.0% | 7.9% | £356 | 19.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.35% |
| Net Yield | ●6.23% |
| Net Annual Income | £5,447 |
| Deductions: void 8% (−£654) · mgmt 10% (−£818) · maint 10% (−£818) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £273 |
| Monthly Cashflow (IO) | ●£181 |
| Cash-on-Cash Return | ●7.14% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,375 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,375 |
| Section 24 Extra Tax/yr (higher rate) | £656 |
| SPV Annual Saving | £1,422 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £101,436 |
| Less: Purchase Price | −£87,500 |
| Less: Buying Costs (SDLT + legal) | −£6,975 |
| Less: Selling Costs (est. 2.5%) | −£2,536 |
| = CGT Net Gain (5yr) | £4,425 |
| CGT at 24% | £342 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £580 | 8.0% | 4.7% | £-16 | -5.5% |
| Conservative | £634 | 8.7% | 5.6% | £106 | 4.5% |
| Base | £682 | 9.4% | 6.2% | £181 | 8.7% |
| Optimistic | £737 | 10.1% | 7.0% | £262 | 13.6% |
| Bull | £805 | 11.0% | 7.9% | £356 | 19.7% |
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