🔒 Sign in to view the address
Bungalow · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 22% 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 | £3,300 |
| Bathroom | £2,450 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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 | Thomas Jones Builders Ltd - Llandudno | 01492 876409 | — |
| decorator | John Gardner and Sons - property painting and decorating ... | 07768 321 577 | — |
| photographer | Behind Lucy's Lens Photography | 07777106487 | — |
Property Details
- Asking Price
- £250,000
- Property Type
- Bungalow
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 2-4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 4 | — | — | — | — |
| Sector sale 2 | Detached | 3 | — | — | — | — |
| Sector sale 3 | Detached | 3 | — | — | — | — |
| Sector sale 4 | Detached | 4 | — | — | — | — |
| Sector sale 5 | Detached | 3 | — | — | — | — |
| Sector sale 6 | Detached | 2 | — | — | — | — |
| Sector sale 7 | Detached | 3 | — | — | — | — |
| Sector sale 8 | Detached | 3 | — | — | — | — |
| Sector sale 9 | Detached | 3 | — | — | — | — |
| Sector sale 10 | Detached | 4 | — | — | — | — |
■ 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 estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £985 |
| ICR (actual) | 0.85x |
| Feasibility | REFER |
| Notes: Rental coverage 60% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £250,000 |
| Deposit (25% — 75% LTV) | £62,500 |
| SDLT (additional property, 5% surcharge) | £21,590 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £87,089 |
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 | £250,000 | Loan (75% LTV) | £187,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £859 |
| Rent needed (1.5×) | £1,289/mo | Estimated rent | £833/mo |
| Stress ratio | 0.97× (need ≥ 1.5×) £456 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 |
| GDV (comp median) | £349,000 |
| 75% remortgage | £261,750 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-663/mo |
| Gross margin | +£99,000 |
| Reno cost (est.) | –£10,560 |
| Buy + sell costs | –£23,835 |
| Net profit | +£64,605 (88.4% ROI) |
| SA gross/mo | £1,041 |
| SA net/mo | £766 |
| BTL est./mo | £658 |
| SA vs BTL uplift | +£383/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £269,223 | +£19,223 | £72,291 | +£9,791 (3.9%) |
| 5 years | £282,852 | +£32,852 | £82,445 | +£19,945 (8.0%) |
| 7 years | £297,171 | +£47,171 | £93,113 | +£30,613 (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.
Finance This Investment
Property SPV
Set up a limited company to hold property assets and reduce tax exposure.
Set up a property SPV from £103 — 1st FormationsEPC Certificates
Energy Performance Certificates, Gas Safety Checks and Electrical Condition Reports.
Get your EPCSell Your Property Fast
Cash purchases or auction. No fees. Ideal for motivated sellers or distressed assets.
Get a cash offerAffiliate disclosure: PropertyAlert.uk may earn a commission from these links at no extra cost to you.
All yield, cashflow, SDLT, CGT and mortgage figures on this page are calculated on the estimated effective purchase cost — not the guide price shown above.
| Guide price | £250,000 |
| Estimated hammer (mid) | £300,000 (guide × 1.20 — typical range is +10–35%) |
| Buyer’s premium (4% + VAT = 4.8%) | £14,400 |
| Legal fees (est.) | £1,500 |
| Effective purchase cost | £315,900 (+26.4% vs guide) |
Guide prices can change before auction day. Always verify the reserve price and obtain legal pack before bidding.
📈 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 | £7,900 | £257,500 | £5,243 | £-4,132 | £3,368 | 4.1% |
| Yr 3 | £8,300 | £273,182 | £5,531 | £-11,966 | £11,216 | 13.7% |
| Yr 5 | £8,720 | £289,819 | £5,833 | £-19,202 | £20,617 | 25.3% |
| Yr 10 | £9,866 | £335,979 | £6,659 | £-34,475 | £51,504 | 63.1% |
| Yr 15 | £11,162 | £389,492 | £7,592 | £-45,303 | £94,189 | 115.4% |
| Yr 20 | £12,629 | £451,528 | £8,648 | £-51,102 | £150,426 | 184.3% |
| Yr 25 | £14,289 | £523,444 | £9,843 | £-51,211 | £222,234 | 272.3% |
| Yr 30 | £16,167 | £606,816 | £11,195 | £-44,881 | £311,934 | 382.3% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £708 | 2.7% | 1.6% | £-860 | -20.0% |
| Conservative | £775 | 2.9% | 1.9% | £-581 | -7.4% |
| Base | £833 | 3.2% | 2.1% | £-425 | -2.2% |
| Optimistic | £900 | 3.4% | 2.4% | £-260 | 3.6% |
| Bull | £983 | 3.7% | 2.7% | £-80 | 10.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●3.16% |
| Net Yield | ●2.14% |
| Net Annual Income | £6,752 |
| Deductions: void 8% (−£632) · mgmt 10% (−£790) · maint 10% (−£790) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £985 |
| Monthly Cashflow (IO) | ●£-422 |
| Cash-on-Cash Return | ●-4.87% |
| 5-Year IRR | ●-2.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,590 |
| SDLT Effective Rate | 6.83% |
| SDLT (Company) | £21,590 |
| Section 24 Extra Tax/yr (higher rate) | £829 |
| SPV Annual Saving | £829 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £366,215 |
| Less: Purchase Price | −£315,900 |
| Less: Buying Costs (SDLT + legal) | −£24,190 |
| Less: Selling Costs (est. 2.5%) | −£9,155 |
| = CGT Net Gain (5yr) | £16,970 |
| CGT at 24% | £3,353 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £708 | 2.7% | 1.6% | £-860 | -20.0% |
| Conservative | £775 | 2.9% | 1.9% | £-581 | -7.4% |
| Base | £833 | 3.2% | 2.1% | £-425 | -2.2% |
| Optimistic | £900 | 3.4% | 2.4% | £-260 | 3.6% |
| Bull | £983 | 3.7% | 2.7% | £-80 | 10.9% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →