🔒 Sign in to view the address — Derby City
Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 44% above the area median. Offers anchored to area median of £259,000.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| Bedroom 6 | £300 |
| Total Estimated Refurb | £4,750 |
⚠ 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 | |
|---|---|---|---|
| decorator | Derby House Painter & Decorator, Derby, DE1 2AW | 07441 425139 | — |
| photographer | Lianne Harrison Photography - Derby | 06195004180 | — |
Property Details
- Asking Price
- £375,000
- Property Type
- Terraced
- Bedrooms
- 6
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 1,700–1,800 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 5-7-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 5 | — | — | — | — |
| Sector sale 2 | Terraced | 5 | — | — | — | — |
| Sector sale 3 | Terraced | 5 | — | — | — | — |
| Sector sale 4 | Terraced | 5 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 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 — 1/10Behavioural signals: Tenanted investment
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,170 |
| ICR (actual) | 2.83x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £375,000 |
| Deposit (25% — 75% LTV) | £93,750 |
| SDLT (additional property, 5% surcharge) | £27,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £124,249 |
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 | £375,000 | Loan (75% LTV) | £281,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,289 |
| Rent needed (1.5×) | £1,934/mo | Estimated rent | £844/mo |
| Stress ratio | 0.65× (need ≥ 1.5×) £1090 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) | £431,250 |
| 75% remortgage | £323,437 |
| Cash left in deal | £56,313 (43% recycled) |
| Est. BTL cashflow | +£801/mo |
| Gross margin | £-165,000 |
| Reno cost (est.) | –£4,750 |
| Buy + sell costs | –£34,250 |
| Net profit | £-204,000 (-207.1% ROI) |
| SA gross/mo | £753 |
| SA net/mo | £513 |
| BTL est./mo | £3,306 |
| SA vs BTL uplift | £-2,553/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £403,834 | +£28,834 | £108,826 | +£15,076 (4.0%) |
| 5 years | £424,278 | +£49,278 | £124,057 | +£30,307 (8.1%) |
| 7 years | £445,757 | +£70,757 | £140,059 | +£46,309 (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.
Finance This Investment
Bridging Finance
Auction purchase, chain break, or refurbishment finance — one enquiry, whole-of-market search.
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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 | £39,675 | £386,250 | £28,121 | £14,058 | £25,308 | 20.2% |
| Yr 3 | £41,684 | £409,773 | £29,567 | £44,336 | £79,108 | 63.1% |
| Yr 5 | £43,794 | £434,728 | £31,087 | £77,615 | £137,343 | 109.6% |
| Yr 10 | £49,549 | £503,969 | £35,230 | £174,961 | £303,929 | 242.5% |
| Yr 15 | £56,060 | £584,238 | £39,918 | £294,631 | £503,869 | 402.0% |
| Yr 20 | £63,426 | £677,292 | £45,222 | £439,559 | £741,850 | 591.8% |
| Yr 25 | £71,761 | £785,167 | £51,223 | £613,063 | £1,023,230 | 816.3% |
| Yr 30 | £81,191 | £910,223 | £58,013 | £818,900 | £1,354,123 | 1080.3% |
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
🌎 Area Profile — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,809 | 9.0% | 5.7% | £265 | -0.2% |
| Conservative | £3,074 | 9.8% | 6.8% | £825 | 8.9% |
| Base | £3,305 | 10.6% | 7.5% | £1,171 | 13.0% |
| Optimistic | £3,569 | 11.4% | 8.3% | £1,550 | 17.7% |
| Bull | £3,900 | 12.5% | 9.4% | £1,989 | 23.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.58% |
| Net Yield | ●7.5% |
| Net Annual Income | £28,110 |
| Deductions: void 8% (−£3,174) · mgmt 10% (−£3,968) · maint 10% (−£3,968) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£1,172 |
| Cash-on-Cash Return | ●11.21% |
| 5-Year IRR | ●13.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,812 |
| SPV Annual Saving | £6,367 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,809 | 9.0% | 5.7% | £265 | -0.2% |
| Conservative | £3,074 | 9.8% | 6.8% | £825 | 8.9% |
| Base | £3,305 | 10.6% | 7.5% | £1,171 | 13.0% |
| Optimistic | £3,569 | 11.4% | 8.3% | £1,550 | 17.7% |
| Bull | £3,900 | 12.5% | 9.4% | £1,989 | 23.7% |
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