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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 16% above the area median. Offers anchored to area median of £133,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Total Estimated Refurb | £4,500 |
⚠ 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 | Building Contractor in Hull, House Extensions in Hull | 01482 714 371 | — |
| decorator | Painting and decorating from Mike Walker Painter & Decorator in Hull | 07792 262 861 | — |
| photographer | Darryl Brooks Photography | 07762 484541 | — |
Property Details
- Asking Price
- £155,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £8,680 | £159,650 | £5,805 | £-8 | £4,642 | 9.1% |
| Yr 3 | £9,119 | £169,373 | £6,121 | £449 | £14,822 | 28.9% |
| Yr 5 | £9,581 | £179,687 | £6,453 | £1,562 | £26,250 | 51.3% |
| Yr 10 | £10,840 | £208,307 | £7,360 | £7,442 | £60,749 | 118.6% |
| Yr 15 | £12,265 | £241,485 | £8,386 | £18,205 | £104,690 | 204.5% |
| Yr 20 | £13,876 | £279,947 | £9,546 | £34,494 | £159,441 | 311.4% |
| Yr 25 | £15,700 | £324,536 | £10,859 | £57,035 | £226,570 | 442.5% |
| Yr 30 | £17,763 | £376,226 | £12,344 | £86,649 | £307,875 | 601.3% |
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 — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 4.8% | 2.8% | £-267 | -13.7% |
| Conservative | £672 | 5.2% | 3.4% | £-99 | -2.2% |
| Base | £723 | 5.6% | 3.7% | £-1 | 2.6% |
| Optimistic | £781 | 6.0% | 4.2% | £105 | 8.0% |
| Bull | £853 | 6.6% | 4.7% | £224 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.6% |
| Net Yield | ●3.74% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£868) · maint 10% (−£868) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £483 |
| Monthly Cashflow (IO) | ●£0 |
| Cash-on-Cash Return | ●-0.02% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,350 |
| SDLT Effective Rate | 5.39% |
| SDLT (Company) | £8,350 |
| Section 24 Extra Tax/yr (higher rate) | £1,162 |
| SPV Annual Saving | £1,614 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £179,687 |
| Less: Purchase Price | −£155,000 |
| Less: Buying Costs (SDLT + legal) | −£10,950 |
| Less: Selling Costs (est. 2.5%) | −£4,492 |
| = CGT Net Gain (5yr) | £9,245 |
| CGT at 24% | £1,499 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 4.8% | 2.8% | £-267 | -13.7% |
| Conservative | £672 | 5.2% | 3.4% | £-99 | -2.2% |
| Base | £723 | 5.6% | 3.7% | £-1 | 2.6% |
| Optimistic | £781 | 6.0% | 4.2% | £105 | 8.0% |
| Bull | £853 | 6.6% | 4.7% | £224 | 14.9% |
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