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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 34% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,200 |
| Bathroom | £3,050 |
| Living Room | £1,800 |
| Master Bedroom | £2,100 |
| Bedroom 2 | £2,100 |
| Entrance Hall | £450 |
| 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 | Emerald Builders – Builders Bournemouth Poole Christchurch ... | 07967 304726 | — |
| decorator | Painters and Decorators in Bournemouth | The Decorator Guys® | 07449812781 | — |
| photographer | Portrait & Headshot Photographer | Bournemouth, Dorset | +447928365362 | — |
Property Details
- Asking Price
- £167,500
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 3 | — | — | — | — |
| Sector sale 5 | Flat | 3 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
| Sector sale 7 | Flat | 2 | — | — | — | — |
| Sector sale 8 | Flat | 1 | — | — | — | — |
| Sector sale 9 | Flat | 1 | — | — | — | — |
| Sector sale 10 | Flat | 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
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £522 |
| ICR (actual) | 2.23x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £167,500 |
| Deposit (25% — 75% LTV) | £41,875 |
| SDLT (additional property, 5% surcharge) | £9,225 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £54,099 |
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 | £167,500 | Loan (75% LTV) | £125,625 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £576 |
| Rent needed (1.5×) | £864/mo | Estimated rent | £1,164/mo |
| Stress ratio | 2.02× (need ≥ 1.5×) +£300 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 |
| GDV (comp median) | £211,000 |
| 75% remortgage | £158,250 |
| Cash left in deal | £22,450 (59% recycled) |
| Est. BTL cashflow | +£97/mo |
| Gross margin | +£43,500 |
| Reno cost (est.) | –£13,200 |
| Buy + sell costs | –£15,990 |
| Net profit | +£14,310 (26.0% ROI) |
| SA gross/mo | £1,635 |
| SA net/mo | £1,289 |
| BTL est./mo | £1,164 |
| SA vs BTL uplift | +£471/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £180,379 | +£12,879 | £48,177 | +£6,302 (3.8%) |
| 5 years | £189,511 | +£22,011 | £54,981 | +£13,106 (7.8%) |
| 7 years | £199,105 | +£31,605 | £62,128 | +£20,253 (12.1%) |
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 | £13,970 | £172,525 | £9,613 | £3,332 | £8,357 | 15.1% |
| Yr 3 | £14,677 | £183,032 | £10,122 | £10,756 | £26,288 | 47.6% |
| Yr 5 | £15,420 | £194,178 | £10,657 | £19,237 | £45,916 | 83.2% |
| Yr 10 | £17,446 | £225,106 | £12,116 | £45,422 | £103,028 | 186.6% |
| Yr 15 | £19,739 | £260,960 | £13,767 | £79,466 | £172,926 | 313.3% |
| Yr 20 | £22,332 | £302,524 | £15,634 | £122,404 | £257,428 | 466.4% |
| Yr 25 | £25,267 | £350,708 | £17,747 | £175,404 | £358,612 | 649.7% |
| Yr 30 | £28,587 | £406,566 | £20,138 | £239,788 | £478,854 | 867.5% |
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?
📄 Lease Information
Estimated remaining lease: 134 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £989 | 7.1% | 4.3% | £-74 | -6.2% |
| Conservative | £1,083 | 7.8% | 5.2% | £145 | 4.0% |
| Base | £1,164 | 8.3% | 5.7% | £278 | 8.4% |
| Optimistic | £1,257 | 9.0% | 6.4% | £422 | 13.4% |
| Bull | £1,374 | 9.8% | 7.2% | £588 | 19.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.34% |
| Net Yield | ●5.74% |
| Net Annual Income | £9,612 |
| Deductions: void 8% (−£1,118) · mgmt 10% (−£1,397) · maint 10% (−£1,397) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £522 |
| Monthly Cashflow (IO) | ●£279 |
| Cash-on-Cash Return | ●6.03% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,225 |
| SDLT Effective Rate | 5.51% |
| SDLT (Company) | £9,225 |
| Section 24 Extra Tax/yr (higher rate) | £1,256 |
| SPV Annual Saving | £2,381 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £194,178 |
| Less: Purchase Price | −£167,500 |
| Less: Buying Costs (SDLT + legal) | −£11,825 |
| Less: Selling Costs (est. 2.5%) | −£4,854 |
| = CGT Net Gain (5yr) | £9,999 |
| CGT at 24% | £1,680 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £989 | 7.1% | 4.3% | £-74 | -6.2% |
| Conservative | £1,083 | 7.8% | 5.2% | £145 | 4.0% |
| Base | £1,164 | 8.3% | 5.7% | £278 | 8.4% |
| Optimistic | £1,257 | 9.0% | 6.4% | £422 | 13.4% |
| Bull | £1,374 | 9.8% | 7.2% | £588 | 19.8% |
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