🔒 Sign in to view the address — Cardiff
Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Already 18% below the area median — limited negotiation margin. Strong value at current asking price. 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
- £450,000
- 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 | £36,000 | £463,500 | £25,475 | £8,600 | £22,100 | 14.6% |
| Yr 3 | £37,822 | £491,727 | £26,787 | £27,760 | £69,487 | 45.8% |
| Yr 5 | £39,737 | £521,673 | £28,166 | £49,644 | £121,317 | 80.0% |
| Yr 10 | £44,959 | £604,762 | £31,926 | £117,192 | £271,954 | 179.4% |
| Yr 15 | £50,867 | £701,085 | £36,179 | £204,996 | £456,081 | 300.8% |
| Yr 20 | £57,551 | £812,750 | £40,992 | £315,718 | £678,468 | 447.5% |
| Yr 25 | £65,114 | £942,200 | £46,437 | £452,369 | £944,569 | 623.1% |
| Yr 30 | £73,671 | £1,092,268 | £52,598 | £618,358 | £1,260,626 | 831.5% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 6.8% | 4.3% | £-208 | -6.9% |
| Conservative | £2,790 | 7.4% | 5.1% | £369 | 3.1% |
| Base | £3,000 | 8.0% | 5.7% | £717 | 7.5% |
| Optimistic | £3,240 | 8.6% | 6.3% | £1,095 | 12.5% |
| Bull | £3,540 | 9.4% | 7.1% | £1,528 | 19.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.0% |
| Net Yield | ●5.66% |
| 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 | £1,403 |
| Monthly Cashflow (IO) | ●£720 |
| Cash-on-Cash Return | ●5.67% |
| 5-Year IRR | ●7.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £35,000 |
| SDLT Effective Rate | 7.78% |
| SDLT (Company) | £35,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,375 |
| SPV Annual Saving | £5,995 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £521,673 |
| Less: Purchase Price | −£450,000 |
| Less: Buying Costs (SDLT + legal) | −£37,600 |
| Less: Selling Costs (est. 2.5%) | −£13,042 |
| = CGT Net Gain (5yr) | £21,031 |
| CGT at 24% | £4,328 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 6.8% | 4.3% | £-208 | -6.9% |
| Conservative | £2,790 | 7.4% | 5.1% | £369 | 3.1% |
| Base | £3,000 | 8.0% | 5.7% | £717 | 7.5% |
| Optimistic | £3,240 | 8.6% | 6.3% | £1,095 | 12.5% |
| Bull | £3,540 | 9.4% | 7.1% | £1,528 | 19.0% |
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