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Dengayne, Basildon, SS14

Rightmove Sector: SS14 2

                    £300,000
                

asking price

vs Benchmark

-5%

below Sector Median

Est. £/sqft

£339

benchmark £361/sqft

Investment Score

5/10

average

Days on Market

days listed

Suggested Offer Range

Low offer

£285,000

£15,000 below asking

Target offer

£291,000

£9,000 below asking

High offer

£300,000

At asking price

Already 10.5% below the comparable sales mean — some negotiation possible but limited margin.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £300,000
Property Type: Terraced
Bedrooms: 4
Bathrooms: N/A
Est. Floor Area: 883 sqft (est.)
Article 4 Area: ✓ No restriction — SA permitted under PD rights

-4.8% vs Sector Median (n=231 sales)

This listing is priced below the postcode sector benchmark.

Motivated Seller Analysis

Standard — 1/10

Behavioural signals: 67 days on market

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£936
ICR (actual)	2.23x
Feasibility	PASS
💲 Total Cash Required
Purchase Price	£300,000
Deposit (25% — 75% LTV)	£75,000
SDLT (additional property, 5% surcharge)	£20,000
Legal fees (est.)	£1,500
Survey (est.)	£500
Arrangement fee (est.)	£999
Total cash required	£97,999

Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.

🔄 BRR Refinance Stress Test

✓ Passes stress test Rent covers 2.0x monthly interest — lender likely to approve.

Purchase price	£300,000	Loan (75% LTV)	£225,000
Rate (IO)	5.5% p.a.	Monthly interest	£1,031
Rent needed (1.5×)	£1,547/mo	Estimated rent	£2,083/mo
Stress ratio	2.02× (need ≥ 1.5×) +£536 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.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

⚠ Review

SA gross/mo	£911
SA net/mo	£652
BTL est./mo	£2,082
SA vs BTL uplift	£-1,171/mo

Hold Period	Est. Sale Price	Capital Gain	Net Proceeds	Total Return
3 years	£323,067	+£23,067	£86,905	+£11,905 (4.0%)
5 years	£339,422	+£39,422	£99,090	+£24,090 (8.0%)
7 years	£356,606	+£56,606	£111,891	+£36,891 (12.3%)

Break-even Horizon

47 months

Medium-term (3–5 years)

Flip Viability

Viable

Comp median: £335,000 — margin: +£35,000

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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Location

Subject property Planning applications

Comparable Sales in SS14 2

Address	Type	Beds	Price	£/sqft	Date	Distance
610, WHITMORE WAY, SS14 2EP	Terraced	3	£325,000	£293	20/03/26	0.67 mi
26, CLENSHAW PATH, SS14 2FP	Terraced	4	£428,000	£337	26/02/26	1.18 mi
29, THE FOLD, SS14 2LL	Terraced	2	£235,000	£331	25/02/26	0.71 mi
110, CLENSHAW PATH, SS14 2FP	Terraced	4	£415,000	£319	24/02/26	1.18 mi
39, WALDRINGFIELD, SS14 2JP	Terraced	3	£390,000	£385	20/02/26	0.82 mi
37, THE FOLD, SS14 2LL	Terraced	3	£215,000	£238	20/02/26	0.71 mi
10, GAY LINKS, SS14 2DF	Terraced	3	£425,000	£349	17/02/26	0.88 mi
5, SPENDERS CLOSE, SS14 2NX	Terraced	2	£285,000	£407	17/02/26	0.80 mi
6, POMFRET MEAD, SS14 2AT	Terraced	3	£300,000	£332	16/02/26	0.99 mi
202, WHITMORE WAY, SS14 2PE	Terraced	2	£335,000	£445	13/02/26	0.75 mi

■ 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 not available from Land Registry records. Comparables are matched by postcode sector and property type only.

📈 Rental Yield & ROI Forecast

Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.

10-Year Projection

Break-even: Year 1 5yr IRR: 8.6%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£24,990	£309,000	£17,548	£6,298	£15,298	15.4%
Yr 3	£26,255	£327,818	£18,459	£20,254	£48,072	48.5%
Yr 5	£27,584	£347,782	£19,416	£36,101	£83,883	84.6%
Yr 10	£31,209	£403,175	£22,026	£84,630	£187,805	189.5%
Yr 15	£35,310	£467,390	£24,978	£147,221	£314,611	317.5%
Yr 20	£39,950	£541,833	£28,319	£225,720	£467,553	471.8%
Yr 25	£45,200	£628,133	£32,099	£322,219	£650,352	656.3%
Yr 30	£51,140	£728,179	£36,376	£439,083	£867,261	875.1%

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)

● 26/00592/PDPA 0.23 mi

Notification for a proposed larger home extension projecting 6.00 metres from the rear wall of the original dwelling wit

173 Timberlog Lane Basildon Essex SS14 1PJ

Undecided

● 26/00599/FULL 0.27 mi

Internal alterations and rear and side extensions.

Abbeyfield House 200 Timberlog Lane Basildon Essex SS14 1PG

Undecided

● 26/00686/TPOBAS 0.32 mi

TPO/34/92 (T4) - (i) Crown reduction by 2m; (ii) crown lift by 5.2m; and (ii) remove deadwood.

8 Chalice Close Basildon Essex SS14 1SF

Undecided

● 26/00685/FULL 0.36 mi

Use of detached ancillary residential building for occasional short-term lets via Airbnb for a maximum of 90 days per ca

109 Curling Tye Basildon Essex SS14 2PR

Undecided

● 26/00553/FULL 0.5 mi

Proposed rear dormer, single storey rear extension, summerhouse outbuilding and alterations to front porch.

4 Deacon Terrace Church Road Basildon Essex SS14 2NG

Undecided

View all planning applications on your dashboard →

● Approved ● Pending ● Refused

🌎 Area Profile — SS14 2 ⓘ What are deciles?

IMD (Overall)

                3/10
            

High deprivation

Crime

                1/10
            

High deprivation

Income

                3/10
            

High deprivation

Employment

                3/10
            

High deprivation

Education

                3/10
            

High deprivation

Housing Barriers

                4/10
            

Mid deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

5.8%

Gross:8.3%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 1/10

SDLT (Additional)

£20,000

6.7% effective rate · Company: £20,000

Void Risk

High

~6 weeks/year

Statistical CI (65%)

£311,065 –£359,535

vs Comparable Mean:-10.5%· n=10

Best Strategy

AST (Standard BTL)

£1,497/mo

📊 SS14 market data →

SPV Tax Saving

£4,173/yr

Breakeven: — years

5-Year IRR

8.6%

IRR — Moderate

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£1,771	7.1%	4.5%	£-105	-5.8%
Conservative	£1,937	7.7%	5.3%	£288	4.2%
Base	£2,083	8.3%	5.9%	£525	8.6%
Optimistic	£2,250	9.0%	6.5%	£784	13.6%
Bull	£2,458	9.8%	7.3%	£1,081	20.0%

Detailed Analysis

💸 Yield & Returns

Gross Yield	●8.33%
Net Yield	●5.85%
Net Annual Income	£17,552
Deductions: void 8% (−£1,999) · mgmt 10% (−£2,499) · maint 10% (−£2,499) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage	£936
Monthly Cashflow (IO)	●£527
Cash-on-Cash Return	●6.36%
5-Year IRR	●8.6%

● Above benchmark ● Near benchmark ● Below benchmark

💰 Tax Analysis

SDLT (Additional Property)	£20,000
SDLT Effective Rate	6.67%
SDLT (Company)	£20,000
Section 24 Extra Tax/yr (higher rate)	£2,250
SPV Annual Saving	£4,173
SPV Breakeven	— yrs
CGT Projected Sale (5yr)	£347,782
Less: Purchase Price	−£300,000
Less: Buying Costs (SDLT + legal)	−£22,600
Less: Selling Costs (est. 2.5%)	−£8,695
= CGT Net Gain (5yr)	£16,487
CGT at 24%	£3,237

📈 Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£1,771	7.1%	4.5%	£-105	-5.8%
Conservative	£1,937	7.7%	5.3%	£288	4.2%
Base	£2,083	8.3%	5.9%	£525	8.6%
Optimistic	£2,250	9.0%	6.5%	£784	13.6%
Bull	£2,458	9.8%	7.3%	£1,081	20.0%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

Dengayne, Basildon, SS14