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Block of Apartments · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 228% above the area median. Offers anchored to area median of £160,000.
🔨 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 | 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
- £525,000
- Property Type
- Block of Apartments
- Bedrooms
- 5
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 500–600 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 4-6-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 4 | — | — | — | — |
■ Above subject ■ Below subject
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 1/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,637 |
| ICR (actual) | 2.34x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £525,000 |
| Deposit (25% — 75% LTV) | £131,250 |
| SDLT (additional property, 5% surcharge) | £42,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £176,749 |
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 | £525,000 | Loan (75% LTV) | £393,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,805 |
| Rent needed (1.5×) | £2,707/mo | Estimated rent | £1,750/mo |
| Stress ratio | 0.97× (need ≥ 1.5×) £957 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 | £1,439 |
| SA net/mo | £1,116 |
| BTL est./mo | £3,837 |
| SA vs BTL uplift | £-2,398/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £565,368 | +£40,368 | £152,669 | +£21,419 (4.1%) |
| 5 years | £593,989 | +£68,989 | £173,992 | +£42,742 (8.1%) |
| 7 years | £624,060 | +£99,060 | £196,395 | +£65,145 (12.4%) |
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.
Finance This Investment
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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 | £46,042 | £540,750 | £32,706 | £13,018 | £28,768 | 16.2% |
| Yr 3 | £48,373 | £573,682 | £34,384 | £41,561 | £90,243 | 50.7% |
| Yr 5 | £50,822 | £608,619 | £36,147 | £73,588 | £157,207 | 88.4% |
| Yr 10 | £57,501 | £705,556 | £40,956 | £170,074 | £350,630 | 197.1% |
| Yr 15 | £65,057 | £817,933 | £46,396 | £292,467 | £585,400 | 329.2% |
| Yr 20 | £73,606 | £948,208 | £52,551 | £444,171 | £867,379 | 487.7% |
| Yr 25 | £83,278 | £1,099,233 | £59,515 | £629,038 | £1,203,271 | 676.6% |
| Yr 30 | £94,222 | £1,274,313 | £67,395 | £851,426 | £1,600,739 | 900.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,260 | 7.5% | 4.8% | £-51 | -5.0% |
| Conservative | £3,567 | 8.2% | 5.6% | £655 | 4.7% |
| Base | £3,835 | 8.8% | 6.2% | £1,083 | 9.0% |
| Optimistic | £4,142 | 9.5% | 6.9% | £1,551 | 13.9% |
| Bull | £4,525 | 10.3% | 7.8% | £2,090 | 20.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.77% |
| Net Yield | ●6.23% |
| Net Annual Income | £32,689 |
| Deductions: void 8% (−£3,683) · mgmt 10% (−£4,604) · maint 10% (−£4,604) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,637 |
| Monthly Cashflow (IO) | ●£1,087 |
| Cash-on-Cash Return | ●7.31% |
| 5-Year IRR | ●9.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £42,500 |
| SDLT Effective Rate | 8.1% |
| SDLT (Company) | £78,750 |
| Section 24 Extra Tax/yr (higher rate) | £3,938 |
| SPV Annual Saving | £7,539 |
| SPV Breakeven | 4.8 yrs |
| CGT Projected Sale (5yr) | £608,619 |
| Less: Purchase Price | −£525,000 |
| Less: Buying Costs (SDLT + legal) | −£45,100 |
| Less: Selling Costs (est. 2.5%) | −£15,215 |
| = CGT Net Gain (5yr) | £23,304 |
| CGT at 24% | £4,873 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,260 | 7.5% | 4.8% | £-51 | -5.0% |
| Conservative | £3,567 | 8.2% | 5.6% | £655 | 4.7% |
| Base | £3,835 | 8.8% | 6.2% | £1,083 | 9.0% |
| Optimistic | £4,142 | 9.5% | 6.9% | £1,551 | 13.9% |
| Bull | £4,525 | 10.3% | 7.8% | £2,090 | 20.2% |
Run the numbers on this deal
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