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Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 97% above the area median. Offers anchored to area median of £241,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Bedroom 4 | £250 |
| Bedroom 5 | £250 |
| Bedroom 6 | £250 |
| Total Estimated Refurb | £4,400 |
⚠ 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 | FORTY BUILDERS LTD | 07817 269005 | — |
| decorator | Tor Decorators Cardiff | 07776 006790 | — |
| photographer | ZEE Boryczewski Wedding Photographer Cardiff, South Wales, UK | 09435573444 | — |
Property Details
- Asking Price
- £475,000
- Property Type
- Terraced
- Bedrooms
- 6
- Bathrooms
- N/A
- Floor Area
- 1,800–1,900 sqft
- 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 | £36,005 | £489,250 | £25,479 | £7,666 | £21,916 | 13.7% |
| Yr 3 | £37,828 | £519,045 | £26,791 | £24,959 | £69,004 | 43.0% |
| Yr 5 | £39,743 | £550,655 | £28,170 | £44,975 | £120,631 | 75.2% |
| Yr 10 | £44,965 | £638,360 | £31,930 | £107,857 | £271,217 | 169.1% |
| Yr 15 | £50,874 | £740,035 | £36,184 | £190,998 | £456,032 | 284.4% |
| Yr 20 | £57,559 | £857,903 | £40,998 | £297,059 | £679,962 | 424.0% |
| Yr 25 | £65,123 | £994,545 | £46,444 | £429,055 | £948,599 | 591.6% |
| Yr 30 | £73,681 | £1,152,950 | £52,605 | £590,391 | £1,268,341 | 791.0% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 6.4% | 4.1% | £-309 | -8.1% |
| Conservative | £2,790 | 7.0% | 4.8% | £283 | 2.1% |
| Base | £3,000 | 7.6% | 5.4% | £639 | 6.6% |
| Optimistic | £3,240 | 8.2% | 6.0% | £1,025 | 11.7% |
| Bull | £3,540 | 8.9% | 6.7% | £1,466 | 18.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.58% |
| Net Yield | ●5.36% |
| Net Annual Income | £25,475 |
| Deductions: void 8% (−£2,880) · mgmt 10% (−£3,600) · maint 10% (−£3,600) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,481 |
| Monthly Cashflow (IO) | ●£642 |
| Cash-on-Cash Return | ●4.78% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £37,500 |
| SDLT Effective Rate | 7.89% |
| SDLT (Company) | £37,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,562 |
| SPV Annual Saving | £6,042 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £550,655 |
| Less: Purchase Price | −£475,000 |
| Less: Buying Costs (SDLT + legal) | −£40,100 |
| Less: Selling Costs (est. 2.5%) | −£13,766 |
| = CGT Net Gain (5yr) | £21,789 |
| CGT at 24% | £4,509 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 6.4% | 4.1% | £-309 | -8.1% |
| Conservative | £2,790 | 7.0% | 4.8% | £283 | 2.1% |
| Base | £3,000 | 7.6% | 5.4% | £639 | 6.6% |
| Optimistic | £3,240 | 8.2% | 6.0% | £1,025 | 11.7% |
| Bull | £3,540 | 8.9% | 6.7% | £1,466 | 18.2% |
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