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Property analysis

12 Sample Terrace, Cambridge

CB4 1AA · Cambridge

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Buy-to-Let

At a glance

Primary strategy Buy-to-Let Passed
Annual ROI
6.8%
Asking price
£285,000
Estimated monthly rent
£1,250/mo
Calculated GDV
£320,000
Maximum offer (MAO)
£248,000
Last registered sale
£210,000 Sold 12 Aug 2019
True market value (TMV)
£275,000
House type
Terraced
Bedrooms
3
Internal area
780 sq ft
Status
Active
Postcode
CB4 1AA
Equity
£75,000
Equity %
26.32%
Tenure
Leasehold
Lease years remaining
110
Flood risk
low
EPC rating
C

AI assessment

Cat 3 Unmodernised

Property summary

This three-bedroom terraced house in CB4 is listed at £285,000 with light refurb scope (condition category 3). Buy-to-let is the primary strategy: local rent evidence supports a maximum offer around £248,000 with projected ROI of 6.8% at that price. The last registered sale was £210,000 in 2019, giving strong equity versus today’s asking price. Environmental checks show low flood risk and EPC C, with room for efficiency upgrades after refurb.

Location map

This property Sold comparables Rent comparables

Deal maths & valuation

Open a section for strategy results, calculated numbers, and comparables.

Compare scenarios (optional)
Metric Buy-to-Let Flip
True market value (TMV) £275,000 —
Purchase Legals £2,000 —
Listing asking price £285,000 —
Estimated rent (per month) £1,250 —
Stamp duty £8,500 —
Maximum allowable offer (MAO) £248,000 £220,000
Refurb Cost 12000 —
Mortgage Deposit £66,250 —
Annual Mortgage Interest £7,200 —
ROI 6.80% —

Strategy results

  • Buy-to-Let Primary Passed
    True market value (TMV)
    £275,000
    Purchase Legals
    £2,000
    Listing asking price
    £285,000
    Estimated rent (per month)
    £1,250
    Stamp duty
    £8,500
    Maximum allowable offer (MAO)
    £248,000
    Refurb Cost
    12000
    Mortgage Deposit
    £66,250
    Annual Mortgage Interest
    £7,200
    ROI
    6.80%
  • Flip Rejected
    Maximum allowable offer (MAO)
    £220,000
Sold comparables (3)
Long-let rent comparables (3)
Calculated numbers (7)
True market value (TMV)
£275,000

Based on 3 verified sales nearby, the typical market value is £275,000.

For context only — on a flip, your maximum offer comes from ARV and costs, not TMV.

Those sales pointed to a range of £265,000 to £290,000.

Maximum allowable offer (MAO)
£220,000

Maximum allowable offer (MAO) for Flip is worked backward from your strategy gates: we find the highest purchase price that still passes the required checks, capped at the listing asking price when needed.

Listing asking price: £285,000.

Backward-solved MAO: £220,000.

Purchase price in profit maths
£265,000

Purchase price used in the profit sum: £265,000.

Listing asking price
£285,000

Purchase price used in the profit sum: £265,000.

Comparable ROI (annual) (Buy-to-Let)
6.80%

ROI = (profit or cashflow ÷ total cash in the deal) × 100.

Calculated ROI for this run: 6.80%.

Comparable ROI (annual) for hold/rent strategies is already an annual figure.

Estimated rent (pcm)
£1,250

Estimated rent is the monthly rent figure used in buy-to-let maths for this run.

Monthly rent: £1,250 (£15,000 per year).

Stamp duty (purchase)
£8,500

Purchase stamp duty uses simplified HMRC-style bands for your saved buyer type — not tax advice.

Stamp duty on this purchase price: £8,500.

Environmental summary

Environmental assessment

Plain-English read on environmental risks and how they relate to your BTL rules.

Flood risk

ok

Low flood risk for this sample postcode sector.

So what for BTL: Standard insurance and lending assumptions apply.

EPC rating

warning

Rating C — room for efficiency upgrades after refurb.

So what for BTL: Factor potential upgrade costs into refurb budget.

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