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House · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 61% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | Trusted Builders in Brighton & Hove - AM General Building | 01273 905407 | — |
| decorator | Painting and Decorating - Bishops Home Improvements Brighton | 01273041126 | — |
| photographer | Brighton Photography Gallery | 01273 000 222 | — |
Property Details
- Asking Price
- £200,000
- Property Type
- House
- Bedrooms
- 3
- Bathrooms
- N/A
- Council Tax Band
- Band B–C likely — VOA bands on this street in BN3 8EY
- Recent Sales Nearby
- £510,000 2025-09 · £535,100 2024-08 · £460,000 2022-03 Same-type homes on this street in BN3 8EY (Land Registry). This home's own sale history can't be matched without its house number.
- Local Rent
- £2,750/mo median of 15 local 3-bed rentals · used for BTL figures
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
10-Point Match notice
Near match. This listing passes every 10-Point Match rule except seller motivation (score 1; the rule needs 4 or more). The seller may be less willing to negotiate, so treat the offer range with caution.
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 | 3 | — | — | — | — |
| Sector sale 3 | Detached | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Semi | 3 | — | — | — | — |
| Sector sale 6 | Semi | 2 | — | — | — | — |
| Sector sale 7 | Detached | 3 | — | — | — | — |
| Sector sale 8 | Detached | 3 | — | — | — | — |
| Sector sale 9 | Detached | 2 | — | — | — | — |
| Sector sale 10 | Flat | 2 | — | — | — | — |
■ 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 — 3/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £624 |
| ICR (actual) | 2.91x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £200,000 |
| Deposit (25% — 75% LTV) | £50,000 |
| SDLT (additional property, 5% surcharge) | £11,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £64,499 |
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 | £200,000 | Loan (75% LTV) | £150,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £688 |
| Rent needed (1.5×) | £1,031/mo | Estimated rent | £2,750/mo |
| Stress ratio | 4.0× (need ≥ 1.5×) +£1719 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) | £575,000 |
| 75% remortgage | £431,250 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-9/mo |
| Gross margin | +£375,000 |
| Reno cost (est.) | –£15,000 |
| Buy + sell costs | –£23,725 |
| Net profit | +£336,275 (517.3% ROI) |
| SA gross/mo | £3,029 |
| SA net/mo | £2,516 |
| BTL est./mo | £2,750 |
| SA vs BTL uplift | +£279/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £215,378 | +£15,378 | £57,677 | +£7,677 (3.8%) |
| 5 years | £226,282 | +£26,282 | £65,800 | +£15,800 (7.9%) |
| 7 years | £237,737 | +£37,737 | £74,334 | +£24,334 (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 | £33,000 | £206,000 | £23,315 | £15,815 | £21,815 | 33.3% |
| Yr 3 | £34,671 | £218,545 | £24,518 | £49,242 | £67,787 | 103.3% |
| Yr 5 | £36,426 | £231,855 | £25,782 | £85,165 | £117,020 | 178.4% |
| Yr 10 | £41,212 | £268,783 | £29,228 | £186,742 | £255,526 | 389.5% |
| Yr 15 | £46,628 | £311,593 | £33,127 | £306,888 | £418,481 | 637.9% |
| Yr 20 | £52,755 | £361,222 | £37,539 | £448,041 | £609,263 | 928.8% |
| Yr 25 | £59,688 | £418,756 | £42,530 | £612,963 | £831,719 | 1267.9% |
| Yr 30 | £67,531 | £485,452 | £48,178 | £804,778 | £1,090,231 | 1661.9% |
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 East England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 113 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,338 | 14.0% | 8.9% | £670 | 14.9% |
| Conservative | £2,558 | 15.3% | 10.5% | £1,066 | 22.4% |
| Base | £2,750 | 16.5% | 11.7% | £1,319 | 25.8% |
| Optimistic | £2,970 | 17.8% | 13.0% | £1,598 | 29.8% |
| Bull | £3,245 | 19.5% | 14.6% | £1,929 | 35.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●16.5% |
| Net Yield | ●11.66% |
| Net Annual Income | £15,219 |
| Deductions: void 8% (−£2,640) · mgmt 10% (−£3,300) · maint 10% (−£3,300) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£1,319 |
| Cash-on-Cash Return | ●24.11% |
| 5-Year IRR | ●25.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £3,532 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,338 | 14.0% | 8.9% | £670 | 14.9% |
| Conservative | £2,558 | 15.3% | 10.5% | £1,066 | 22.4% |
| Base | £2,750 | 16.5% | 11.7% | £1,319 | 25.8% |
| Optimistic | £2,970 | 17.8% | 13.0% | £1,598 | 29.8% |
| Bull | £3,245 | 19.5% | 14.6% | £1,929 | 35.0% |
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