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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 23% 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 | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| 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 | MJH Builders Southampton | 02380 191323 | — |
| decorator | Painters and Decorators Southampton | Free Quotes | 0238-001-7170 | — |
| photographer | Julian Porter Photography | 07720 325336 | — |
Property Details
- Asking Price
- £199,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 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
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 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 | £624 |
| ICR (actual) | 2.2x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £199,950 |
| Deposit (25% — 75% LTV) | £49,987 |
| SDLT (additional property, 5% surcharge) | £11,496 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £64,482 |
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 | £199,950 | Loan (75% LTV) | £149,962 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £687 |
| Rent needed (1.5×) | £1,031/mo | Estimated rent | £1,370/mo |
| Stress ratio | 1.99× (need ≥ 1.5×) +£339 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) | £250,000 |
| 75% remortgage | £187,500 |
| Cash left in deal | £27,450 (58% recycled) |
| Est. BTL cashflow | +£109/mo |
| Gross margin | +£50,050 |
| Reno cost (est.) | –£15,000 |
| Buy + sell costs | –£18,846 |
| Net profit | +£16,204 (24.9% ROI) |
| SA gross/mo | £950 |
| SA net/mo | £686 |
| BTL est./mo | £1,370 |
| SA vs BTL uplift | £-420/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £215,324 | +£15,374 | £57,662 | +£7,675 (3.8%) |
| 5 years | £226,225 | +£26,275 | £65,783 | +£15,796 (7.9%) |
| 7 years | £237,678 | +£37,728 | £74,315 | +£24,328 (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 | £16,436 | £205,948 | £11,389 | £3,891 | £9,889 | 15.1% |
| Yr 3 | £17,268 | £218,491 | £11,988 | £12,567 | £31,108 | 47.4% |
| Yr 5 | £18,142 | £231,797 | £12,617 | £22,487 | £54,334 | 82.8% |
| Yr 10 | £20,526 | £268,716 | £14,334 | £53,148 | £121,914 | 185.9% |
| Yr 15 | £23,223 | £311,516 | £16,276 | £93,057 | £204,622 | 312.0% |
| Yr 20 | £26,275 | £361,132 | £18,473 | £143,429 | £304,611 | 464.5% |
| Yr 25 | £29,728 | £418,651 | £20,959 | £205,639 | £424,340 | 647.0% |
| Yr 30 | £33,635 | £485,331 | £23,772 | £281,244 | £566,625 | 864.0% |
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 | £1,164 | 7.0% | 4.3% | £-92 | -6.3% |
| Conservative | £1,274 | 7.6% | 5.1% | £167 | 3.9% |
| Base | £1,370 | 8.2% | 5.7% | £324 | 8.3% |
| Optimistic | £1,480 | 8.9% | 6.3% | £495 | 13.4% |
| Bull | £1,617 | 9.7% | 7.2% | £692 | 19.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.22% |
| Net Yield | ●5.7% |
| Net Annual Income | £11,392 |
| Deductions: void 8% (−£1,315) · mgmt 10% (−£1,644) · maint 10% (−£1,644) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£325 |
| Cash-on-Cash Return | ●5.94% |
| 5-Year IRR | ●8.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,496 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,496 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,788 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,797 |
| Less: Purchase Price | −£199,950 |
| Less: Buying Costs (SDLT + legal) | −£14,096 |
| Less: Selling Costs (est. 2.5%) | −£5,795 |
| = CGT Net Gain (5yr) | £11,956 |
| CGT at 24% | £2,149 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,164 | 7.0% | 4.3% | £-92 | -6.3% |
| Conservative | £1,274 | 7.6% | 5.1% | £167 | 3.9% |
| Base | £1,370 | 8.2% | 5.7% | £324 | 8.3% |
| Optimistic | £1,480 | 8.9% | 6.3% | £495 | 13.4% |
| Bull | £1,617 | 9.7% | 7.2% | £692 | 19.8% |
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