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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 41% above the area median. Offers anchored to area median of £244,000. 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 | £150 |
| Bedroom 2 | £150 |
| Bedroom 3 | £150 |
| Bedroom 4 | £150 |
| 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
- £345,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £20,079 | £355,350 | £14,012 | £1,074 | £11,424 | 9.9% |
| Yr 3 | £21,095 | £376,991 | £14,744 | £4,316 | £36,307 | 31.6% |
| Yr 5 | £22,163 | £399,950 | £15,513 | £9,078 | £64,027 | 55.7% |
| Yr 10 | £25,076 | £463,651 | £17,610 | £28,141 | £146,792 | 127.8% |
| Yr 15 | £28,371 | £537,499 | £19,982 | £58,502 | £251,001 | 218.5% |
| Yr 20 | £32,099 | £623,108 | £22,666 | £101,646 | £379,754 | 330.7% |
| Yr 25 | £36,317 | £722,353 | £25,704 | £159,252 | £536,606 | 467.2% |
| Yr 30 | £41,090 | £837,406 | £29,140 | £233,221 | £725,627 | 631.8% |
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 | £1,421 | 4.9% | 3.1% | £-515 | -12.7% |
| Conservative | £1,555 | 5.4% | 3.7% | £-135 | -1.6% |
| Base | £1,672 | 5.8% | 4.1% | £89 | 3.2% |
| Optimistic | £1,806 | 6.3% | 4.5% | £329 | 8.6% |
| Bull | £1,973 | 6.9% | 5.1% | £600 | 15.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.82% |
| Net Yield | ●4.06% |
| Net Annual Income | £14,001 |
| Deductions: void 8% (−£1,606) · mgmt 10% (−£2,008) · maint 10% (−£2,008) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,076 |
| Monthly Cashflow (IO) | ●£91 |
| Cash-on-Cash Return | ●0.93% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £24,500 |
| SDLT Effective Rate | 7.1% |
| SDLT (Company) | £24,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,588 |
| SPV Annual Saving | £3,567 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £399,950 |
| Less: Purchase Price | −£345,000 |
| Less: Buying Costs (SDLT + legal) | −£27,100 |
| Less: Selling Costs (est. 2.5%) | −£9,999 |
| = CGT Net Gain (5yr) | £17,851 |
| CGT at 24% | £3,564 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,421 | 4.9% | 3.1% | £-515 | -12.7% |
| Conservative | £1,555 | 5.4% | 3.7% | £-135 | -1.6% |
| Base | £1,672 | 5.8% | 4.1% | £89 | 3.2% |
| Optimistic | £1,806 | 6.3% | 4.5% | £329 | 8.6% |
| Bull | £1,973 | 6.9% | 5.1% | £600 | 15.4% |
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