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Semi-Detached · 3 bed
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Suggested Offer Range
Already 39% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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 | 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
- £91,250
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | Semi | 4 | — | — | — | — |
| Sector sale 2 | Semi | 4 | — | — | — | — |
| Sector sale 3 | Semi | 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 estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £285 |
| ICR (actual) | 3.35x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £91,250 |
| Deposit (25% — 75% LTV) | £22,812 |
| SDLT (additional property, 5% surcharge) | £4,562 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £30,373 |
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 | £91,250 | Loan (75% LTV) | £68,438 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £314 |
| Rent needed (1.5×) | £471/mo | Estimated rent | £954/mo |
| Stress ratio | 3.04× (need ≥ 1.5×) +£483 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 |
| Cash left in deal | Unknown |
| SA gross/mo | £1,545 |
| SA net/mo | £1,210 |
| BTL est./mo | £954 |
| SA vs BTL uplift | +£591/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £98,266 | +£7,016 | £25,891 | +£3,078 (3.4%) |
| 5 years | £103,241 | +£11,991 | £29,597 | +£6,785 (7.4%) |
| 7 years | £108,468 | +£17,218 | £33,491 | +£10,678 (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 | £11,452 | £93,988 | £7,800 | £4,378 | £7,116 | 22.6% |
| Yr 3 | £12,032 | £99,711 | £8,218 | £13,759 | £22,220 | 70.6% |
| Yr 5 | £12,641 | £105,784 | £8,656 | £24,006 | £38,540 | 122.4% |
| Yr 10 | £14,302 | £122,632 | £9,852 | £53,707 | £85,089 | 270.3% |
| Yr 15 | £16,181 | £142,165 | £11,205 | £89,852 | £140,766 | 447.2% |
| Yr 20 | £18,308 | £164,808 | £12,736 | £133,287 | £206,845 | 657.2% |
| Yr 25 | £20,713 | £191,057 | £14,469 | £184,971 | £284,778 | 904.8% |
| Yr 30 | £23,435 | £221,488 | £16,428 | £245,987 | £376,225 | 1195.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 10.7% | 6.4% | £119 | 2.7% |
| Conservative | £887 | 11.7% | 7.7% | £270 | 11.5% |
| Base | £954 | 12.5% | 8.5% | £365 | 15.4% |
| Optimistic | £1,030 | 13.5% | 9.5% | £469 | 19.8% |
| Bull | £1,126 | 14.8% | 10.8% | £590 | 25.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.55% |
| Net Yield | ●8.55% |
| Net Annual Income | £7,798 |
| Deductions: void 8% (−£916) · mgmt 10% (−£1,145) · maint 10% (−£1,145) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £285 |
| Monthly Cashflow (IO) | ●£365 |
| Cash-on-Cash Return | ●13.9% |
| 5-Year IRR | ●15.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,562 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,562 |
| Section 24 Extra Tax/yr (higher rate) | £684 |
| SPV Annual Saving | £1,885 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £105,784 |
| Less: Purchase Price | −£91,250 |
| Less: Buying Costs (SDLT + legal) | −£7,162 |
| Less: Selling Costs (est. 2.5%) | −£2,645 |
| = CGT Net Gain (5yr) | £4,727 |
| CGT at 24% | £414 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £811 | 10.7% | 6.4% | £119 | 2.7% |
| Conservative | £887 | 11.7% | 7.7% | £270 | 11.5% |
| Base | £954 | 12.5% | 8.5% | £365 | 15.4% |
| Optimistic | £1,030 | 13.5% | 9.5% | £469 | 19.8% |
| Bull | £1,126 | 14.8% | 10.8% | £590 | 25.5% |
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