Lowther Street, Stoke-On-Trent, ST1
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 17.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £83,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 775 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Active — 6/10Behavioural signals: 94 days on market7.8% price cutBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £259 |
| ICR (actual) | 2.5x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £83,000 |
| Deposit (25% — 75% LTV) | £20,750 |
| SDLT (additional property, 5% surcharge) | £4,150 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £27,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £83,000 | Loan (75% LTV) | £62,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £285 |
| Rent needed (1.5×) | £428/mo | Estimated rent | £648/mo |
| Stress ratio | 2.27× (need ≥ 1.5×) +£220 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 (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £918 |
| SA net/mo | £658 |
| BTL est./mo | £648 |
| SA vs BTL uplift | +£270/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £89,382 | +£6,382 | £23,480 | +£2,730 (3.3%) |
| 5 years | £93,907 | +£10,907 | £26,851 | +£6,101 (7.4%) |
| 7 years | £98,661 | +£15,661 | £30,392 | +£9,642 (11.6%) |
Projections: 2.5% pa HPI, 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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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 | £7,777 | £85,490 | £5,155 | £2,042 | £4,532 | 15.6% |
| Yr 3 | £8,171 | £90,696 | £5,438 | £6,549 | £14,246 | 49.1% |
| Yr 5 | £8,584 | £96,220 | £5,736 | £11,645 | £24,865 | 85.7% |
| Yr 10 | £9,713 | £111,545 | £6,548 | £27,158 | £55,704 | 192.1% |
| Yr 15 | £10,989 | £129,311 | £7,467 | £47,048 | £93,359 | 321.9% |
| Yr 20 | £12,433 | £149,907 | £8,507 | £71,888 | £138,795 | 478.6% |
| Yr 25 | £14,067 | £173,784 | £9,683 | £102,329 | £193,113 | 665.9% |
| Yr 30 | £15,915 | £201,463 | £11,014 | £139,109 | £257,571 | 888.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — ST1 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 8.0% | 4.6% | £-16 | -5.7% |
| Conservative | £603 | 8.7% | 5.6% | £99 | 4.3% |
| Base | £648 | 9.4% | 6.2% | £170 | 8.5% |
| Optimistic | £700 | 10.1% | 7.0% | £247 | 13.3% |
| Bull | £765 | 11.1% | 7.9% | £337 | 19.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.37% |
| Net Yield | ●6.21% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£778) · maint 10% (−£778) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £259 |
| Monthly Cashflow (IO) | ●£170 |
| Cash-on-Cash Return | ●7.04% |
| 5-Year IRR | ●8.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,150 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,150 |
| Section 24 Extra Tax/yr (higher rate) | £622 |
| SPV Annual Saving | £1,356 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £96,220 |
| Less: Purchase Price | −£83,000 |
| Less: Buying Costs (SDLT + legal) | −£6,750 |
| Less: Selling Costs (est. 2.5%) | −£2,405 |
| = CGT Net Gain (5yr) | £4,065 |
| CGT at 24% | £256 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 8.0% | 4.6% | £-16 | -5.7% |
| Conservative | £603 | 8.7% | 5.6% | £99 | 4.3% |
| Base | £648 | 9.4% | 6.2% | £170 | 8.5% |
| Optimistic | £700 | 10.1% | 7.0% | £247 | 13.3% |
| Bull | £765 | 11.1% | 7.9% | £337 | 19.5% |