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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,050 |
| Bathroom | £1,500 |
| Living Room | £900 |
| Hallway / Stairs | £350 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Bedroom 4 | £550 |
| Total Estimated Refurb | £5,750 |
⚠ 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 | Elite Building Services | Builders Cambridge | 07482 007 555 | — |
| decorator | Giuseppe Piran: Painters and Decorators Cambridge | 01954 201167 | — |
| photographer | Elodie Giuge Photography | 07944 399893 | — |
Property Details
- Asking Price
- £550,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £31,790 | £566,500 | £22,444 | £1,819 | £18,319 | 9.8% |
| Yr 3 | £33,399 | £601,000 | £23,603 | £7,187 | £58,187 | 31.2% |
| Yr 5 | £35,090 | £637,601 | £24,820 | £14,961 | £102,562 | 55.0% |
| Yr 10 | £39,701 | £739,154 | £28,140 | £45,732 | £234,886 | 125.9% |
| Yr 15 | £44,918 | £856,882 | £31,896 | £94,390 | £401,272 | 215.0% |
| Yr 20 | £50,821 | £993,361 | £36,146 | £163,287 | £606,648 | 325.1% |
| Yr 25 | £57,499 | £1,151,578 | £40,955 | £255,080 | £856,658 | 459.1% |
| Yr 30 | £65,055 | £1,334,994 | £46,395 | £372,780 | £1,157,775 | 620.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
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● Approved ● Pending ● Refused
🌎 Area Profile — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,253 | 4.9% | 3.1% | £-807 | -12.9% |
| Conservative | £2,465 | 5.4% | 3.7% | £-202 | -1.9% |
| Base | £2,651 | 5.8% | 4.1% | £153 | 2.8% |
| Optimistic | £2,863 | 6.2% | 4.5% | £535 | 8.2% |
| Bull | £3,128 | 6.8% | 5.1% | £965 | 15.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.78% |
| Net Yield | ●4.08% |
| Net Annual Income | £22,460 |
| Deductions: void 8% (−£2,543) · mgmt 10% (−£3,179) · maint 10% (−£3,179) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,715 |
| Monthly Cashflow (IO) | ●£157 |
| Cash-on-Cash Return | ●0.98% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £45,000 |
| SDLT Effective Rate | 8.18% |
| SDLT (Company) | £82,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,125 |
| SPV Annual Saving | £5,596 |
| SPV Breakeven | 6.7 yrs |
| CGT Projected Sale (5yr) | £637,601 |
| Less: Purchase Price | −£550,000 |
| Less: Buying Costs (SDLT + legal) | −£47,600 |
| Less: Selling Costs (est. 2.5%) | −£15,940 |
| = CGT Net Gain (5yr) | £24,061 |
| CGT at 24% | £5,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,253 | 4.9% | 3.1% | £-807 | -12.9% |
| Conservative | £2,465 | 5.4% | 3.7% | £-202 | -1.9% |
| Base | £2,651 | 5.8% | 4.1% | £153 | 2.8% |
| Optimistic | £2,863 | 6.2% | 4.5% | £535 | 8.2% |
| Bull | £3,128 | 6.8% | 5.1% | £965 | 15.0% |
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