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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 18% above the comparable sales mean. Offers anchored to comparable sales mean of £228,000.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £950 |
| Bedroom 2 | £950 |
| Bedroom 3 | £950 |
| Bedroom 4 | £950 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £11,400 |
⚠ 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 | Keith Pownall & Sons | 07831 888601 | — |
| decorator | Attention2detail - professional painter and decorator Stoke-on-Trent | 07895372789 | — |
| photographer | STUDIO 21 PHOTOGRAPHY STOKE | 07928 426265 | — |
Property Details
- Asking Price
- £269,950
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 3-5-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 4 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 4 | — | — | — | — |
| Sector sale 4 | Terraced | 5 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 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 | £842 |
| ICR (actual) | 1.57x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 112% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £269,950 |
| Deposit (25% — 75% LTV) | £67,487 |
| SDLT (additional property, 5% surcharge) | £16,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £87,481 |
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 | £269,950 | Loan (75% LTV) | £202,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £928 |
| Rent needed (1.5×) | £1,392/mo | Estimated rent | £1,324/mo |
| Stress ratio | 1.43× (need ≥ 1.5×) £68 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) | £310,442 |
| 75% remortgage | £232,832 |
| Cash left in deal | £48,518 (38% recycled) |
| Est. BTL cashflow | £-109/mo |
| Gross margin | £-39,950 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£24,045 |
| Net profit | £-75,395 (-95.6% ROI) |
| SA gross/mo | £827 |
| SA net/mo | £578 |
| BTL est./mo | £1,325 |
| SA vs BTL uplift | £-498/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £290,707 | +£20,757 | £78,122 | +£10,634 (3.9%) |
| 5 years | £305,424 | +£35,474 | £89,086 | +£21,599 (8.0%) |
| 7 years | £320,886 | +£50,936 | £100,605 | +£33,118 (12.3%) |
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 | £15,900 | £278,048 | £11,003 | £880 | £8,978 | 10.1% |
| Yr 3 | £16,705 | £294,982 | £11,583 | £3,506 | £28,537 | 32.2% |
| Yr 5 | £17,551 | £312,946 | £12,191 | £7,334 | £50,330 | 56.8% |
| Yr 10 | £19,857 | £362,790 | £13,852 | £22,576 | £115,416 | 130.3% |
| Yr 15 | £22,466 | £420,573 | £15,731 | £46,764 | £197,387 | 222.8% |
| Yr 20 | £25,419 | £487,560 | £17,856 | £81,074 | £298,683 | 337.2% |
| Yr 25 | £28,759 | £565,215 | £20,261 | £126,836 | £422,102 | 476.5% |
| Yr 30 | £32,538 | £655,240 | £22,982 | £185,556 | £570,846 | 644.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,125 | 5.0% | 3.1% | £-402 | -12.4% |
| Conservative | £1,231 | 5.5% | 3.7% | £-103 | -1.2% |
| Base | £1,324 | 5.9% | 4.1% | £73 | 3.6% |
| Optimistic | £1,430 | 6.4% | 4.5% | £262 | 9.0% |
| Bull | £1,562 | 6.9% | 5.1% | £475 | 15.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.89% |
| Net Yield | ●4.07% |
| Net Annual Income | £10,994 |
| Deductions: void 8% (−£1,272) · mgmt 10% (−£1,590) · maint 10% (−£1,590) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£74 |
| Cash-on-Cash Return | ●0.98% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,995 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £16,995 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £2,842 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £312,946 |
| Less: Purchase Price | −£269,950 |
| Less: Buying Costs (SDLT + legal) | −£19,595 |
| Less: Selling Costs (est. 2.5%) | −£7,824 |
| = CGT Net Gain (5yr) | £15,577 |
| CGT at 24% | £3,018 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,125 | 5.0% | 3.1% | £-402 | -12.4% |
| Conservative | £1,231 | 5.5% | 3.7% | £-103 | -1.2% |
| Base | £1,324 | 5.9% | 4.1% | £73 | 3.6% |
| Optimistic | £1,430 | 6.4% | 4.5% | £262 | 9.0% |
| Bull | £1,562 | 6.9% | 5.1% | £475 | 15.8% |
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