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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £2,050 |
| Bedroom 2 | £2,050 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £210,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
Comparable Sales in this postcode sector
🔍 Filtered to 1-3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 2 | — | — | — | — |
| Sector sale 2 | Terraced | 2 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Terraced | 2 | — | — | — | — |
| Sector sale 7 | Terraced | 2 | — | — | — | — |
| Sector sale 8 | Terraced | 3 | — | — | — | — |
| Sector sale 9 | Terraced | 1 | — | — | — | — |
| Sector sale 10 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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 | £655 |
| ICR (actual) | 1.32x |
| Feasibility | REFER |
| Notes: Rental coverage 94% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £210,000 |
| Deposit (25% — 75% LTV) | £52,500 |
| SDLT (additional property, 5% surcharge) | £12,200 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £67,699 |
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 | £210,000 | Loan (75% LTV) | £157,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £722 |
| Rent needed (1.5×) | £1,083/mo | Estimated rent | £865/mo |
| Stress ratio | 1.2× (need ≥ 1.5×) £218 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) | £230,000 |
| 75% remortgage | £172,500 |
| Cash left in deal | £50,700 (23% recycled) |
| Est. BTL cashflow | £-157/mo |
| Gross margin | +£20,000 |
| Reno cost (est.) | –£13,200 |
| Buy + sell costs | –£19,250 |
| Net profit | £-12,450 (-18.9% ROI) |
| SA gross/mo | £1,040 |
| SA net/mo | £765 |
| BTL est./mo | £865 |
| SA vs BTL uplift | +£175/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £226,147 | +£16,147 | £60,600 | +£8,100 (3.9%) |
| 5 years | £237,596 | +£27,596 | £69,129 | +£16,629 (7.9%) |
| 7 years | £249,624 | +£39,624 | £78,090 | +£25,590 (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.
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 | £10,374 | £216,300 | £7,024 | £-851 | £5,449 | 7.9% |
| Yr 3 | £10,899 | £229,473 | £7,402 | £-1,987 | £17,485 | 25.4% |
| Yr 5 | £11,451 | £243,448 | £7,800 | £-2,339 | £31,109 | 45.2% |
| Yr 10 | £12,956 | £282,222 | £8,883 | £481 | £72,704 | 105.7% |
| Yr 15 | £14,658 | £327,173 | £10,109 | £9,139 | £126,312 | 183.6% |
| Yr 20 | £16,584 | £379,283 | £11,496 | £24,400 | £193,684 | 281.5% |
| Yr 25 | £18,764 | £439,693 | £13,065 | £47,134 | £276,827 | 402.4% |
| Yr 30 | £21,229 | £509,725 | £14,840 | £78,322 | £378,047 | 549.5% |
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 West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £735 | 4.2% | 2.5% | £-412 | -15.1% |
| Conservative | £804 | 4.6% | 3.0% | £-196 | -3.4% |
| Base | £865 | 4.9% | 3.3% | £-71 | 1.5% |
| Optimistic | £934 | 5.3% | 3.7% | £64 | 7.1% |
| Bull | £1,021 | 5.8% | 4.2% | £214 | 14.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.94% |
| Net Yield | ●3.35% |
| Net Annual Income | £7,029 |
| Deductions: void 8% (−£830) · mgmt 10% (−£1,037) · maint 10% (−£1,037) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £655 |
| Monthly Cashflow (IO) | ●£-69 |
| Cash-on-Cash Return | ●-1.23% |
| 5-Year IRR | ●1.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,200 |
| SDLT Effective Rate | 5.81% |
| SDLT (Company) | £12,200 |
| Section 24 Extra Tax/yr (higher rate) | £1,575 |
| SPV Annual Saving | £1,747 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £243,448 |
| Less: Purchase Price | −£210,000 |
| Less: Buying Costs (SDLT + legal) | −£14,800 |
| Less: Selling Costs (est. 2.5%) | −£6,086 |
| = CGT Net Gain (5yr) | £12,562 |
| CGT at 24% | £2,295 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £735 | 4.2% | 2.5% | £-412 | -15.1% |
| Conservative | £804 | 4.6% | 3.0% | £-196 | -3.4% |
| Base | £865 | 4.9% | 3.3% | £-71 | 1.5% |
| Optimistic | £934 | 5.3% | 3.7% | £64 | 7.1% |
| Bull | £1,021 | 5.8% | 4.2% | £214 | 14.1% |
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