Direct To Vendor BMV purchase ready to go BTL.
Direct To Vendor BMV purchase ready to go BTL.
Property Snapshot
Location: Pontardulias, Swansea, SA4
Purchase price: £115,000 (now showing 20.7% BMV)
Figures
Deposit: £28,750 | Stamp duty: £5,750
Reno budget: £2,500 → £7,500
Monthly cashflow: £286.88 | ROI: 12.17% | Cash left in: £28,290
Flip profit updated to £6,397 (and reframed
Annual cash flow £3,442.56
Monthly 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
This is a lovely house that has been tenanted and is in good overall condition. It currently looks a little tired, and minor renovation works are required to make it more appealing — but the bones are solid and the refurb scope is well-defined. Purchased at over 20% 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 £286.88/month net cashflow and £28,290 remaining in the deal after pulling out equity — generating a 12.17% ROI on money left in. A flip is possible at £6,397 profit, but the BTL is the stronger exit here by some distance. Keep it, rent it, let it work.
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 (20.7% BMV) | £115,000 |
| Deposit (25%) | £28,750 |
| Stamp Duty (LTT Wales) | £5,750 |
| Solicitor Fees | £1,600 |
| Survey Fees | £450 |
| Buildings Insurance | £250 |
| Sourcing Fee | £1,997 |
| Refurbishment Budget | £7,500 |
| Holding Costs (6 months) | £2,906 |
| Total Cash Required | £49,203 |
Schedule of Works
Option 2: Rental Longevity — focused on durability, compliance, and long-term reliability. Purely aesthetic sales items have been removed in favour of works that protect the asset and satisfy tenants for years to come.
Option 2: Rental Longevity – Schedule of Works
Two Ways to Play It
Monthly Income & Expenses
Post-Refinance Monthly Breakdown · Mortgage: £453.13/mo · Rent: £925pcm
Investment Highlights
The Bottom Line
This is a solid BTL deal executed well. A lovely house — previously tenanted, in good condition — purchased at over 20% below market value. The refurb scope is clear, costed, and well within budget. After refinance at £145,000, only £28,290 remains in the deal, generating £286.88/month net cashflow and a 12.17% ROI. The flip option returns £6,397 — not nothing, but it kills the income stream. Keep it, rent it, let the mortgage pay itself down, and let the cashflow work for you month after month.