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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Total Estimated Refurb | £1,800 |
⚠ 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
- £150,000
- Property Type
- Semi-Detached
- 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 | £8,670 | £154,500 | £5,797 | £172 | £4,672 | 9.4% |
| Yr 3 | £9,109 | £163,909 | £6,113 | £989 | £14,898 | 30.0% |
| Yr 5 | £9,570 | £173,891 | £6,445 | £2,462 | £26,353 | 53.1% |
| Yr 10 | £10,828 | £201,587 | £7,351 | £9,236 | £60,823 | 122.6% |
| Yr 15 | £12,250 | £233,695 | £8,375 | £20,888 | £104,583 | 210.9% |
| Yr 20 | £13,860 | £270,917 | £9,534 | £38,060 | £158,977 | 320.5% |
| Yr 25 | £15,682 | £314,067 | £10,846 | £61,476 | £225,543 | 454.7% |
| Yr 30 | £17,742 | £364,089 | £12,329 | £91,958 | £306,048 | 617.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 4.9% | 2.9% | £-247 | -13.3% |
| Conservative | £672 | 5.4% | 3.5% | £-82 | -1.9% |
| Base | £723 | 5.8% | 3.9% | £15 | 2.9% |
| Optimistic | £781 | 6.2% | 4.3% | £119 | 8.4% |
| Bull | £853 | 6.8% | 4.9% | £236 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.78% |
| Net Yield | ●3.87% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£867) · maint 10% (−£867) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£16 |
| Cash-on-Cash Return | ●0.36% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £1,607 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 4.9% | 2.9% | £-247 | -13.3% |
| Conservative | £672 | 5.4% | 3.5% | £-82 | -1.9% |
| Base | £723 | 5.8% | 3.9% | £15 | 2.9% |
| Optimistic | £781 | 6.2% | 4.3% | £119 | 8.4% |
| Bull | £853 | 6.8% | 4.9% | £236 | 15.2% |
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