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Allsop auction lot · Cornwall74 Trevithick Road, St. Austell, Cornwall, PL25 4RJ
Flat in Cornwall (PL25 4RJ), for sale by auction with Allsop on 18 November 2026, lot 20. Guide £20,000+.
Finance view
Good
Lendable, with points a lender will check first. The loan that fits: Purchase bridge, as this is a home that can be let or sold as it is.
Likely loan
Up to 75% of the priceOn the purchase price
On the expected hammer
About £17,000The guide plus 15%; Allsop lots have sold at +19% on the guide (median of 94)
Example rate
0.75% to 0.95% a monthArrangement fee about 2%
In its favour
St Austell station, about 12 minutes' walk
Flood zone 1 (low risk)
Sold vacant
What a lender will look at
Check Outside London and the Home Counties (Cornwall): fewer lenders, and values need strong local evidence
Check A loan of about £17,000: below many lenders' £75,000 minimum
If you let it
Typical rent about £806 a month, a gross yield of 42.1% on the expected hammer. The rent supports a 75% buy-to-let mortgage (up to about £141,000), so refinancing out of a bridge works on these figures. A yield this high usually means a reason for the low guide (the lease, a tenancy, the building or its condition): read the legal pack before you rely on it.
ONS average for a flat in Cornwall, Sept 2026. Refinance test: rent covers the interest 125% at a 5.5% stress rate, as lenders test a limited company; personal borrowers are often tested harder.
Information a lender will need first
The lease length (years left)
What a lender will ask you for on a purchase bridge
Photo ID and proof of address
Proof of your deposit and where it came from
The legal pack, read by your solicitor before you bid
Your exit plan: sale or refinance, with evidence (comparables, or a mortgage in principle)
The lease, with the ground rent and service charge
We have access to lending of up to 75% of the purchase price, with up to 100% of the build cost. Tell us about the lot and we can put you in touch. Ratings and figures are a guide from the published facts, not an offer of finance or advice. Stations from NaPTAN.
Closest comparables
The nearest sales of homes like this one in the last two years, from HM Land Registry, graded the way a lender reads them. 57 similar sales within 1.5 km.
Strong£82,000Dec 2025
66 Trevithick Road, St Austell, PL25 4RJ (flat)
The same kind of home, 0 m away, sold 11 months ago.
Strong£70,000Nov 2025
24 Woodland Close, St Austell, PL25 4RH (flat)
The same kind of home, 97 m away, sold 12 months ago.
Moderate£190,000Jun 2026
11 Drinnan Court, St Austell, PL25 4PT (flat)
The same kind of home, 502 m away, sold 5 months ago.
On the market now
Asking prices for flats in PL25 on the property portals: their listings, opened in a new tab.
We grade vacant homes inside the M25 automatically. This lot has the basic details only, because it is outside the M25. Tell us what you need and we'll come back to you, usually within a working day.
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We have access to lending of up to 75% of the purchase price, with up to 100% of the build cost. Tell us about the lot and we can put you in touch. Illustrative only, not an offer of finance: rates, fees and loan sizes depend on the lender, the property and you. Stamp duty, legal costs and the buyer's fee are not included. Your property may be repossessed if you do not keep up repayments on a loan secured on it.
Indicative terms · Auction Watch
Indicative terms
Subject to
Indicative only, from the figures above: not an offer of finance or advice. A specialist will confirm the terms. Your property may be repossessed if you do not keep up repayments on a loan secured on it. Auction Watch is not a lender and does not give financial advice. If you ask for terms, we pass your details to lenders and brokers we work with, who may pay us a fee for the introduction; they make their own decisions and offers. If you are buying a home to live in yourself or for your family, that is a regulated mortgage: we only introduce you to a firm authorised by the Financial Conduct Authority.