Coalport Road, Broseley
Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 16.0% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £289,950
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 980 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 1/10Behavioural signals: 73 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £904 |
| ICR (actual) | 1.51x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 108% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £289,950 |
| Deposit (25% — 75% LTV) | £72,487 |
| SDLT (additional property, 5% surcharge) | £18,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £94,481 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £289,950 | Loan (75% LTV) | £217,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £997 |
| Rent needed (1.5×) | £1,495/mo | Estimated rent | £1,366/mo |
| Stress ratio | 1.37× (need ≥ 1.5×) £129 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 (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 | £2,407 |
| SA net/mo | £1,968 |
| BTL est./mo | £1,365 |
| SA vs BTL uplift | +£1,042/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £312,244 | +£22,294 | £83,968 | +£11,480 (4.0%) |
| 5 years | £328,052 | +£38,102 | £95,744 | +£23,257 (8.0%) |
| 7 years | £344,659 | +£54,709 | £108,117 | +£35,629 (12.3%) |
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
Comparable Sales in TF12 5
⚠️ Only 1 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 10, CUMBERLAND MEWS, TF12 5NL | Detached | 2 | £279,950 | £347 | 13/02/26 | 0.72 mi |
| 37, CHURCH STREET, TF12 5BX | Detached | 5 | £375,000 | £184 | 17/12/25 | 0.36 mi |
| 9, BRAMBLEWOOD, TF12 5NY | Detached | 2 | £317,500 | £410 | 16/12/25 | 0.62 mi |
| 4, THE WAGGONWAY, TF12 5QU | Detached | 3 | £369,995 | £302 | 15/12/25 | 0.47 mi |
| 1A, ROWAN GRANGE, TF12 5FJ | Detached | 5 | £587,500 | £298 | 28/11/25 | 0.61 mi |
| 55, THE MINES, TF12 5QY | Detached | 2 | £375,000 | £498 | 27/10/25 | 1.09 mi |
| 1, FOUNDRY COURT, FOUNDRY LANE, TF12 5DW | Detached | 3 | £176,500 | £183 | 15/10/25 | 0.35 mi |
| 64, CHERRYBROOK DRIVE, TF12 5SH | Detached | 3 | £295,000 | £301 | 08/10/25 | 0.83 mi |
| THE POPLARS, BENTHALL LANE, TF12 5RR | Detached | 4 | £445,000 | £304 | 08/10/25 | 1.05 mi |
| 2, HOCKLEY ROAD, TF12 5HS | Detached | 2 | £231,000 | £330 | 03/10/25 | 0.51 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.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £16,382 | £298,648 | £11,350 | £477 | £9,176 | 9.6% |
| Yr 3 | £17,212 | £316,836 | £11,947 | £2,323 | £29,209 | 30.6% |
| Yr 5 | £18,083 | £336,132 | £12,575 | £5,409 | £51,590 | 54.0% |
| Yr 10 | £20,459 | £389,669 | £14,286 | £18,964 | £118,683 | 124.2% |
| Yr 15 | £23,148 | £451,733 | £16,221 | £41,738 | £203,521 | 212.9% |
| Yr 20 | £26,189 | £523,682 | £18,411 | £74,941 | £308,673 | 322.9% |
| Yr 25 | £29,631 | £607,091 | £20,889 | £119,943 | £437,084 | 457.3% |
| Yr 30 | £33,525 | £703,785 | £23,693 | £178,296 | £592,131 | 619.5% |
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)
🌎 Area Profile — TF12 5 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,161 | 4.8% | 3.0% | £-460 | -13.0% |
| Conservative | £1,270 | 5.3% | 3.5% | £-145 | -1.8% |
| Base | £1,366 | 5.7% | 3.9% | £40 | 3.0% |
| Optimistic | £1,475 | 6.1% | 4.4% | £239 | 8.4% |
| Bull | £1,612 | 6.7% | 4.9% | £463 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.65% |
| Net Yield | ●3.92% |
| Net Annual Income | £11,357 |
| Deductions: void 8% (−£1,311) · mgmt 10% (−£1,638) · maint 10% (−£1,638) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£42 |
| Cash-on-Cash Return | ●0.51% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,995 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £18,995 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £2,950 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,132 |
| Less: Purchase Price | −£289,950 |
| Less: Buying Costs (SDLT + legal) | −£21,595 |
| Less: Selling Costs (est. 2.5%) | −£8,403 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,161 | 4.8% | 3.0% | £-460 | -13.0% |
| Conservative | £1,270 | 5.3% | 3.5% | £-145 | -1.8% |
| Base | £1,366 | 5.7% | 3.9% | £40 | 3.0% |
| Optimistic | £1,475 | 6.1% | 4.4% | £239 | 8.4% |
| Bull | £1,612 | 6.7% | 4.9% | £463 | 15.3% |