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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 15% above the area median. Offers anchored to area median of £108,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| 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
- £125,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £7,250 | £128,750 | £4,775 | £88 | £3,838 | 9.2% |
| Yr 3 | £7,617 | £136,591 | £5,039 | £657 | £12,248 | 29.4% |
| Yr 5 | £8,003 | £144,909 | £5,317 | £1,776 | £21,685 | 52.1% |
| Yr 10 | £9,054 | £167,990 | £6,074 | £7,157 | £50,146 | 120.5% |
| Yr 15 | £10,244 | £194,746 | £6,931 | £16,617 | £86,363 | 207.6% |
| Yr 20 | £11,590 | £225,764 | £7,900 | £30,693 | £131,457 | 316.0% |
| Yr 25 | £13,113 | £261,722 | £8,997 | £49,991 | £186,713 | 448.8% |
| Yr 30 | £14,836 | £303,408 | £10,237 | £75,197 | £253,605 | 609.6% |
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 | £513 | 4.9% | 2.8% | £-211 | -13.6% |
| Conservative | £562 | 5.4% | 3.4% | £-74 | -2.1% |
| Base | £604 | 5.8% | 3.8% | £7 | 2.7% |
| Optimistic | £652 | 6.3% | 4.3% | £94 | 8.1% |
| Bull | £713 | 6.8% | 4.8% | £192 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.8% |
| Net Yield | ●3.82% |
| Net Annual Income | £4,774 |
| Deductions: void 8% (−£580) · mgmt 10% (−£725) · maint 10% (−£725) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£8 |
| Cash-on-Cash Return | ●0.21% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £1,360 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £513 | 4.9% | 2.8% | £-211 | -13.6% |
| Conservative | £562 | 5.4% | 3.4% | £-74 | -2.1% |
| Base | £604 | 5.8% | 3.8% | £7 | 2.7% |
| Optimistic | £652 | 6.3% | 4.3% | £94 | 8.1% |
| Bull | £713 | 6.8% | 4.8% | £192 | 14.9% |
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