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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 20% below the area median — limited negotiation margin. Strong value at current asking price. 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 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Entrance Hall | £50 |
| 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 | Lynch Renovation and Construction | 07304 063002 | — |
| decorator | Decorators in Leeds With Excellent Reviews | Free Quote ... | 0113 808 1192 | — |
Property Details
- Asking Price
- £200,000
- Property Type
- Apartment
- Bedrooms
- 2
- 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 | £11,480 | £206,000 | £7,821 | £321 | £6,321 | 9.6% |
| Yr 3 | £12,061 | £218,545 | £8,239 | £1,587 | £20,132 | 30.7% |
| Yr 5 | £12,672 | £231,855 | £8,679 | £3,722 | £35,577 | 54.2% |
| Yr 10 | £14,337 | £268,783 | £9,878 | £13,153 | £81,936 | 124.9% |
| Yr 15 | £16,221 | £311,593 | £11,234 | £29,043 | £140,637 | 214.4% |
| Yr 20 | £18,353 | £361,222 | £12,769 | £52,242 | £213,464 | 325.4% |
| Yr 25 | £20,764 | £418,756 | £14,505 | £83,709 | £302,465 | 461.1% |
| Yr 30 | £23,493 | £485,452 | £16,470 | £124,532 | £409,985 | 625.0% |
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?
📄 Lease Information
Estimated remaining lease: 976 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £813 | 4.9% | 2.9% | £-321 | -13.0% |
| Conservative | £890 | 5.3% | 3.5% | £-102 | -1.6% |
| Base | £957 | 5.7% | 3.9% | £27 | 3.2% |
| Optimistic | £1,034 | 6.2% | 4.4% | £165 | 8.6% |
| Bull | £1,129 | 6.8% | 4.9% | £321 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.74% |
| Net Yield | ●3.91% |
| Net Annual Income | £7,823 |
| Deductions: void 8% (−£918) · mgmt 10% (−£1,148) · maint 10% (−£1,148) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£28 |
| Cash-on-Cash Return | ●0.49% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,094 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £813 | 4.9% | 2.9% | £-321 | -13.0% |
| Conservative | £890 | 5.3% | 3.5% | £-102 | -1.6% |
| Base | £957 | 5.7% | 3.9% | £27 | 3.2% |
| Optimistic | £1,034 | 6.2% | 4.4% | £165 | 8.6% |
| Bull | £1,129 | 6.8% | 4.9% | £321 | 15.4% |
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