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End of Terrace · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £328,000. 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 | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| Entrance Hall | £200 |
| 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
- £360,000
- Property Type
- End of Terrace
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 | £29,988 | £370,800 | £21,146 | £7,646 | £18,446 | 15.4% |
| Yr 3 | £31,506 | £393,382 | £22,239 | £24,572 | £57,954 | 48.3% |
| Yr 5 | £33,101 | £417,339 | £23,388 | £43,766 | £101,105 | 84.2% |
| Yr 10 | £37,451 | £483,810 | £26,520 | £102,446 | £226,256 | 188.4% |
| Yr 15 | £42,372 | £560,868 | £30,063 | £178,000 | £378,868 | 315.5% |
| Yr 20 | £47,940 | £650,200 | £34,072 | £272,644 | £562,844 | 468.6% |
| Yr 25 | £54,240 | £753,760 | £38,608 | £388,888 | £782,648 | 651.7% |
| Yr 30 | £61,368 | £873,814 | £43,740 | £529,569 | £1,043,384 | 868.8% |
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 | £2,125 | 7.1% | 4.5% | £-118 | -6.0% |
| Conservative | £2,325 | 7.8% | 5.3% | £353 | 4.0% |
| Base | £2,500 | 8.3% | 5.9% | £638 | 8.4% |
| Optimistic | £2,700 | 9.0% | 6.5% | £948 | 13.4% |
| Bull | £2,950 | 9.8% | 7.3% | £1,305 | 19.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.33% |
| Net Yield | ●5.88% |
| Net Annual Income | £21,155 |
| Deductions: void 8% (−£2,399) · mgmt 10% (−£2,999) · maint 10% (−£2,999) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,123 |
| Monthly Cashflow (IO) | ●£640 |
| Cash-on-Cash Return | ●6.37% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £26,000 |
| SDLT Effective Rate | 7.22% |
| SDLT (Company) | £26,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,700 |
| SPV Annual Saving | £4,986 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £417,339 |
| Less: Purchase Price | −£360,000 |
| Less: Buying Costs (SDLT + legal) | −£28,600 |
| Less: Selling Costs (est. 2.5%) | −£10,433 |
| = CGT Net Gain (5yr) | £18,306 |
| CGT at 24% | £3,673 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,125 | 7.1% | 4.5% | £-118 | -6.0% |
| Conservative | £2,325 | 7.8% | 5.3% | £353 | 4.0% |
| Base | £2,500 | 8.3% | 5.9% | £638 | 8.4% |
| Optimistic | £2,700 | 9.0% | 6.5% | £948 | 13.4% |
| Bull | £2,950 | 9.8% | 7.3% | £1,305 | 19.8% |
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