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Terraced · 3 bed
Supports major UK property portals
vs Benchmark
No data
no benchmark yet
Est. £/sqft
~£325
benchmark ~£325/sqft
Investment Score
0/10
average
Days on Market
4+ months
motivated seller signal
Suggested Offer Range
Low offer
£234,000
£26,000 below asking
Target offer
£241,800
£18,200 below asking
High offer
£252,200
£7,800 below asking
⚠ Offers Over listing — vendor expects full asking price or above. The offer range shown is for context only; submitting below asking is likely to be rejected.
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.
🔒 Sign in to view 18 photos
📷 No photos available for condition analysis.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| Total Estimated Refurb | £10,800 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Builder in York | High Spec Extensions & Alterations | 01904 593544 | — |
| decorator | Painter & Decorators York - York Decorator | 01904 626920 | — |
| photographer | Sarah Burton Photography | 07822 010126 | — |
Property Details
- Asking Price
- £260,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
10-Year Projection
Break-even: Year 1
5yr IRR: 3.3%
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £14,976 | £267,800 | £10,338 | £588 | £8,388 | 9.9% |
| Yr 3 | £15,734 | £284,109 | £10,884 | £2,579 | £26,688 | 31.4% |
| Yr 5 | £16,531 | £301,411 | £11,457 | £5,703 | £47,114 | 55.4% |
| Yr 10 | £18,703 | £349,418 | £13,021 | £18,853 | £108,271 | 127.2% |
| Yr 15 | £21,161 | £405,072 | £14,791 | £40,430 | £185,501 | 218.0% |
| Yr 20 | £23,941 | £469,589 | £16,793 | £71,541 | £281,130 | 330.4% |
| Yr 25 | £27,087 | £544,382 | £19,058 | £113,439 | £397,821 | 467.5% |
| Yr 30 | £30,647 | £631,088 | £21,621 | £167,541 | £538,629 | 632.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Yorkshire ⓘ What are deciles?
IMD (Overall)
10/10
Low deprivation
Crime
10/10
Low deprivation
Income
9/10
Low deprivation
Employment
10/10
Low deprivation
Education
8/10
Low deprivation
Housing Barriers
6/10
Mid deprivation
Rural/Urban
Mixed
📊 Investment Skill Analysis
Net Yield
4.0%
Gross:5.8%
Mortgage
MARGINAL
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 3/10
SDLT (Additional)
£16,000
6.2% effective rate · Company: £16,000
Void Risk
High
~6 weeks/year
Statistical CI (85%)
–
vs Comparable Mean:—· n=—
Best Strategy
Serviced Accommodation
£69/mo
SPV Tax Saving
£2,695/yr
Breakeven: — years
5-Year IRR
3.3%
IRR — Weak
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,061 | 4.9% | 3.0% | £-404 | -12.7% |
| Conservative | £1,161 | 5.4% | 3.6% | £-118 | -1.4% |
| Base | £1,248 | 5.8% | 4.0% | £49 | 3.3% |
| Optimistic | £1,348 | 6.2% | 4.4% | £229 | 8.8% |
| Bull | £1,473 | 6.8% | 5.0% | £432 | 15.6% |
⚠ Condition Flags
Plumbing (MODERATE)
Extended Market Time (MODERATE)
Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.76% |
| Net Yield | ●3.98% |
| Net Annual Income | £10,338 |
| Deductions: void 8% (−£1,198) · mgmt 10% (−£1,498) · maint 10% (−£1,498) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £811 |
| Monthly Cashflow (IO) | ●£50 |
| Cash-on-Cash Return | ●0.69% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,950 |
| SPV Annual Saving | £2,695 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,061 | 4.9% | 3.0% | £-404 | -12.7% |
| Conservative | £1,161 | 5.4% | 3.6% | £-118 | -1.4% |
| Base | £1,248 | 5.8% | 4.0% | £49 | 3.3% |
| Optimistic | £1,348 | 6.2% | 4.4% | £229 | 8.8% |
| Bull | £1,473 | 6.8% | 5.0% | £432 | 15.6% |
PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice.
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