UK DatabaseListingsWrexham Road Chester, CH4
Yield Trap Advisory: High CapEx Risk (Sub-£100k Regional)

Properties listed under £100,000 boasting 33.05% gross yields frequently require substantial capital expenditure (£15,000 to £30,000+) in structural repairs, heating modernization, and EPC C energy efficiency retrofits to become lettable. Compare the raw asking metrics against all-in underwriting below.

Est. CapEx: +£21,000
Wrexham Road Chester, CH4
33.05% Gross YieldCH4 ClusterFreehold
CH4Terraced

Wrexham Road Chester, CH4

Asking Price
£76,250
High Rental Yield Ranking
Net Cashflow+£1,600/mo
Est. Gross Rent£2,100/mo
25% Deposit£19,063
2026 SDLT£3,813
First Home 95% Mortgage£3,813 deposit (5%) • £0 FTB Stamp Duty
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BTL Capital

Purchase Price£76,250
25% Cash Deposit£19,063
2026 5% SDLT£3,813
Legal & Survey Est.£1,500
Total Upfront Cash£24,376

First Home (95%)

FTB Route
5% Cash Deposit£3,813
FTB Stamp Duty£0 (£0 Relief)
30yr Repayment (5%)£389/mo
4.5× Income Needed£16,097/yr
Vs Local RentSAVE £1,711/MO

Operating Cashflow

Gross Monthly Rent+£2,100
75% Mortgage (5.2%)-£248
Agency & Void Buffer-£252
Estimated Net Annual£19,200/yr
Cash-on-Cash ROCE78.8% Return

Bank Stress Test (ICR)

PRA Stress Rate5.50%
Stress Interest Due£262/mo
Actual Rental Cover802% ICR
SPV / Ltd Co (125%)CLEARANCE PASS
Personal (145%)CLEARANCE PASS
CapEx, Refurbishment & EPC C Underwriting

True All-In Financial Underwriting

Real-world stress testing accounting for cosmetic refurbishment, structural wear, 10% contingency, and proposed 2028–2030 MEES EPC C compliance.

High CapEx Trap Check
Acquisition Cost
Asking: £76,250
£97,250
+£21,000 Refurb & EPC Budget
Gross Rental Yield
Headline: 33.05%
25.91% All-In
Based on £2,100/mo (£25,200/yr)
Total Cash Required
Raw Cash: £24,376
£45,376
Deposit + SDLT + Legal + Total Works
Net Annual ROCE
Raw ROCE: 78.8%
42.31% True
Net Rent / Total Cash Out-of-Pocket

Itemized CapEx Allocation

Base Refurbishment (MEDIUM REFURB)£15,000
10% Unforeseen Contingency Buffer+£1,500
EPC C Retrofit Allowance (Band D Baseline)+£4,500
Total Capital Expenditure Reserve£21,000

Includes loft insulation top-up, smart controls/TRVs, heating commissioning, and localized cosmetic upgrades.

BRRR Refinance & Equity Model (25% Uplift)

Target Gross Development Value (GDV)~£121,563
75% LTV Refinance Mortgage£91,172
Estimated Capital Recycled£45,376
Net Capital Left In Deal£0

Estimated equity uplift of £24,313 upon completion of works. Refinance subject to 6-month ownership rule and surveyor valuation.

Tenure & Service Charge

Freehold

Tenure Typefreehold
Unexpired TermN/A (Freehold Interest)
Est. Service Charge£0 / yr
Est. Ground Rent£0 / yr
Net Annual Tenure Deductions:-£0 / yr
Section 24 & SPV Modeling

SPV vs. Personal Name

Holding this property inside a Limited Company (SPV) saves approx. £4,627/yr in tax because 100% of mortgage interest is tax-deductible against 19% Corporation Tax.

Personal Tax (40% Higher Rate)£8,275 / yr
SPV Corporation Tax (19%)£3,648 / yr
Personal Post-Tax Cashflow£910 / mo
SPV Post-Tax Cashflow£1,296 / mo
Annual Tax Saved via SPV:+£4,627 / yr
HMO & Article 4 Planning

Multi-Let Potential

No citywide Article 4 restriction detected. Standard Permitted Development rights (Class L) may apply, subject to local council licensing rules.

Single Family AST Rent£2,100 / mo
Est. HMO Room Revenue£1,650 / mo
Bills & Utilities Buffer-£405 / mo
Mandatory Licensing (5+ beds)Standard HMO
Net HMO Monthly Uplift:+£-855 / mo vs AST

Institutional Investor Notice & 2026 Tax Rules:

Calculations account for the Autumn Budget residential second-home Stamp Duty surcharge (5% on the initial £250,000 bracket). Mortgage figures are simulated based on standard 75% LTV buy-to-let interest-only products at 5.2%. Independent professional conveyancing and financial advice should always be obtained prior to exchange of contracts.
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Model Stress Test