Direct To Vender BMV purchase ready to go BTL.
Direct To Vender BMV purchase ready to go BTL.
Property Snapshot
Location: Pontardulias, Swansea, SA4
Purchase Price: £125,000
Strategy: Flip
End Value: £145,000
Bedrooms: 3
Renovation Budget: £2500
Cash Flow: £286.88
Reserve this deal here for £199. This fee is fully refundable should you decide not to go ahead after completing your due diligence. Full legal pack available on request.
Direct to Vendor - 92 Tyn Y Bonau Road
Pontarddulais, Swansea SA4
3-Bedroom Terraced · Refurbishment Project · Buy-to-Let / Flip · South Wales
Property Snapshot
Refurbishment project picked up at 13.8% below market value in Pontarddulais — a well-connected commuter town between Swansea and the M4 corridor. The numbers work cleanly as a buy-to-let after refinance, with £287/month net cashflow and just under £34k remaining in the deal after pulling out equity. A light-touch flip is also on the table, though the BTL case is the stronger exit here.
Why Pontarddulais?
Pontarddulais sits on the northern edge of Swansea, right on the M4 at junction 48. It's a proper working town with schools, shops, and a train station 600 metres from this property. Commuter demand is strong — Swansea city centre is under 20 minutes by road, and Cardiff is accessible without a great deal of suffering.
Low unemployment (2% vs 4.8% national average), high owner-occupation rates, and solid rental demand from families and young professionals make it a reliable BTL market. Not flashy, but the fundamentals are consistent — exactly what you want for a long-term income asset.
Full Cost Breakdown
| Item | Cost |
|---|---|
| Purchase Price (13.8% BMV) | £125,000 |
| Deposit (25%) | £31,250 |
| Stamp Duty (LTT Wales) | £6,250 |
| Solicitor Fees | £1,600 |
| Survey Fees | £450 |
| Buildings Insurance | £250 |
| Sourcing Fee | £1,997 |
| Refurbishment | £2,500 |
| Holding Costs (6 months) | £2,906 |
| Total Cash Required | £47,203 |
Two Ways to Play It
Monthly Income & Expenses
Post-Refinance Monthly Breakdown · Mortgage Rate: 3% · Rent: £925pcm
Investment Highlights
The Bottom Line
This is a bread-and-butter BTL deal executed well. Purchased 13.8% below market, light refurb, refinance at 75% LTV, and collect £287/month net. It's not going to make anyone a millionaire overnight — but that's not the point. It's a reliable, cashflowing asset in a commuter town with solid fundamentals, acquired at a discount, with £36,250 equity created at refinance. The flip numbers are too thin to recommend. Keep it, rent it, let the mortgage pay itself down.