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End of Terrace · 8 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 10% above the area median. Offers anchored to area median of £280,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,350 |
| Bathroom | £2,450 |
| Living Room | £1,450 |
| Master Bedroom | £450 |
| Bedroom 2 | £450 |
| Bedroom 3 | £450 |
| Bedroom 4 | £450 |
| Bedroom 5 | £450 |
| Bedroom 6 | £450 |
| Bedroom 7 | £450 |
| Bedroom 8 | £450 |
| Entrance Hall | £300 |
| Total Estimated Refurb | £10,560 |
⚠ 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
- £310,000
- Property Type
- End of Terrace
- Bedrooms
- 8
- Number of Units
- 2 units
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 1,600–1,700 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 | £32,395 | £319,300 | £22,879 | £11,254 | £20,554 | 20.0% |
| Yr 3 | £34,035 | £338,745 | £24,060 | £35,527 | £64,272 | 62.6% |
| Yr 5 | £35,758 | £359,375 | £25,301 | £62,251 | £111,626 | 108.8% |
| Yr 10 | £40,457 | £416,614 | £28,684 | £140,612 | £247,226 | 241.0% |
| Yr 15 | £45,773 | £482,970 | £32,512 | £237,201 | £410,171 | 399.8% |
| Yr 20 | £51,788 | £559,894 | £36,843 | £354,414 | £604,308 | 589.0% |
| Yr 25 | £58,594 | £649,071 | £41,742 | £494,959 | £834,031 | 812.9% |
| Yr 30 | £66,293 | £752,451 | £47,286 | £661,904 | £1,104,356 | 1076.4% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,295 | 8.9% | 5.6% | £195 | -0.3% |
| Conservative | £2,511 | 9.7% | 6.7% | £655 | 8.8% |
| Base | £2,700 | 10.5% | 7.4% | £938 | 13.0% |
| Optimistic | £2,916 | 11.3% | 8.2% | £1,249 | 17.7% |
| Bull | £3,186 | 12.3% | 9.2% | £1,609 | 23.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.45% |
| Net Yield | ●7.38% |
| Net Annual Income | £22,883 |
| Deductions: void 8% (−£2,592) · mgmt 10% (−£3,240) · maint 10% (−£3,240) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £967 |
| Monthly Cashflow (IO) | ●£940 |
| Cash-on-Cash Return | ●10.97% |
| 5-Year IRR | ●13.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,000 |
| SDLT Effective Rate | 6.77% |
| SDLT (Company) | £21,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,325 |
| SPV Annual Saving | £5,229 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £359,375 |
| Less: Purchase Price | −£310,000 |
| Less: Buying Costs (SDLT + legal) | −£23,600 |
| Less: Selling Costs (est. 2.5%) | −£8,984 |
| = CGT Net Gain (5yr) | £16,791 |
| CGT at 24% | £3,310 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,295 | 8.9% | 5.6% | £195 | -0.3% |
| Conservative | £2,511 | 9.7% | 6.7% | £655 | 8.8% |
| Base | £2,700 | 10.5% | 7.4% | £938 | 13.0% |
| Optimistic | £2,916 | 11.3% | 8.2% | £1,249 | 17.7% |
| Bull | £3,186 | 12.3% | 9.2% | £1,609 | 23.7% |
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