Young Couples 1st Home

The Deal:

• Valuation Before Purchase: £220,000+
• Acquired Price: £180,000
• Total Renovation Spend: £28,000
• New Valuation After Renovation: £265,000

Buyer Finance Details:

• Deposit: £20,000
• Mortgage Amount: £160,000
• Mortgage Term: 25 years
• Interest Rate: 4.79% fixed for 2 years

Renovation Scope:

Interior:

• Added staircase to attic to create a 3rd bedroom
• Open-plan living room for a modern, spacious layout
• Fully replaced and modernised bathroom and kitchen

Return on Investment (ROI):

Investor-Style Flip ROI:

• Total Spend: £208,000 (purchase + renovation)
• Estimated Sale Price: £265,000
• Estimated Selling Costs: £4,000
• Net Proceeds: £261,000
• Estimated Profit: £53,000
• ROI: ~25.5%

First-Time Buyer Equity ROI:

• Buyer’s Cash Investment (Deposit): £20,000
• Instant Equity Gained: £85,000
• ROI on Deposit: 425%

Why This Deal Works:

• Below Market Acquisition: Purchased £40k under market value
• Immediate Equity: New valuation at £265,000 gives £85,000 uplift
• Value-Add Strategy: Loft conversion + modern layout transformation
• Buyer Win: Perfect starter home with strong capital growth from day one