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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 24% below the area median — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,700 |
| Bedroom 2 | £1,700 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £142,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 1-3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 3 | — | — | — | — |
■ 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 — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £443 |
| ICR (actual) | 1.5x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 107% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £142,000 |
| Deposit (25% — 75% LTV) | £35,500 |
| SDLT (additional property, 5% surcharge) | £7,440 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £45,939 |
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 | £142,000 | Loan (75% LTV) | £106,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £488 |
| Rent needed (1.5×) | £732/mo | Estimated rent | £664/mo |
| Stress ratio | 1.36× (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) | £248,000 |
| 75% remortgage | £186,000 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-343/mo |
| Gross margin | +£106,000 |
| Reno cost (est.) | –£10,800 |
| Buy + sell costs | –£14,760 |
| Net profit | +£80,440 (173.7% ROI) |
| SA gross/mo | £1,040 |
| SA net/mo | £765 |
| BTL est./mo | £664 |
| SA vs BTL uplift | +£376/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £152,918 | +£10,918 | £40,724 | +£5,224 (3.7%) |
| 5 years | £160,660 | +£18,660 | £46,492 | +£10,992 (7.7%) |
| 7 years | £168,793 | +£26,793 | £52,551 | +£17,051 (12.0%) |
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 | £7,966 | £146,260 | £5,291 | £-34 | £4,226 | 9.0% |
| Yr 3 | £8,369 | £155,167 | £5,581 | £331 | £13,498 | 28.7% |
| Yr 5 | £8,793 | £164,617 | £5,886 | £1,299 | £23,915 | 50.8% |
| Yr 10 | £9,949 | £190,836 | £6,718 | £6,559 | £55,395 | 117.8% |
| Yr 15 | £11,256 | £221,231 | £7,659 | £16,302 | £95,533 | 203.1% |
| Yr 20 | £12,735 | £256,468 | £8,724 | £31,116 | £145,583 | 309.5% |
| Yr 25 | £14,409 | £297,316 | £9,929 | £51,667 | £206,984 | 440.0% |
| Yr 30 | £16,302 | £344,671 | £11,293 | £78,711 | £281,382 | 598.2% |
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 — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 4.8% | 2.8% | £-247 | -13.8% |
| Conservative | £618 | 5.2% | 3.3% | £-93 | -2.3% |
| Base | £664 | 5.6% | 3.7% | £-3 | 2.5% |
| Optimistic | £717 | 6.1% | 4.2% | £94 | 8.0% |
| Bull | £784 | 6.6% | 4.7% | £203 | 14.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.61% |
| Net Yield | ●3.73% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £443 |
| Monthly Cashflow (IO) | ●£-2 |
| Cash-on-Cash Return | ●-0.07% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,440 |
| SDLT Effective Rate | 5.24% |
| SDLT (Company) | £7,440 |
| Section 24 Extra Tax/yr (higher rate) | £1,065 |
| SPV Annual Saving | £1,485 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £164,617 |
| Less: Purchase Price | −£142,000 |
| Less: Buying Costs (SDLT + legal) | −£10,040 |
| Less: Selling Costs (est. 2.5%) | −£4,115 |
| = CGT Net Gain (5yr) | £8,462 |
| CGT at 24% | £1,311 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 4.8% | 2.8% | £-247 | -13.8% |
| Conservative | £618 | 5.2% | 3.3% | £-93 | -2.3% |
| Base | £664 | 5.6% | 3.7% | £-3 | 2.5% |
| Optimistic | £717 | 6.1% | 4.2% | £94 | 8.0% |
| Bull | £784 | 6.6% | 4.7% | £203 | 14.8% |
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