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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 17% 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: 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 | £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 | Lynch Renovation and Construction | 07304 063002 | — |
| decorator | Decorators in Leeds With Excellent Reviews | Free Quote ... | 0113 808 1192 | — |
Property Details
- Asking Price
- £185,000
- Property Type
- Semi-Detached
- 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 | £10,804 | £190,550 | £7,334 | £396 | £5,946 | 9.8% |
| Yr 3 | £11,351 | £202,154 | £7,728 | £1,777 | £18,932 | 31.1% |
| Yr 5 | £11,926 | £214,466 | £8,141 | £3,976 | £33,442 | 55.0% |
| Yr 10 | £13,493 | £248,625 | £9,270 | £13,325 | £76,949 | 126.6% |
| Yr 15 | £15,266 | £288,224 | £10,546 | £28,753 | £131,977 | 217.1% |
| Yr 20 | £17,272 | £334,131 | £11,991 | £51,059 | £200,189 | 329.3% |
| Yr 25 | £19,541 | £387,349 | £13,625 | £81,147 | £283,496 | 466.3% |
| Yr 30 | £22,109 | £449,044 | £15,474 | £120,039 | £384,082 | 631.7% |
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
View all planning applications on your dashboard →
● 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 | £765 | 5.0% | 3.0% | £-291 | -12.8% |
| Conservative | £837 | 5.4% | 3.6% | £-87 | -1.5% |
| Base | £900 | 5.8% | 4.0% | £33 | 3.3% |
| Optimistic | £972 | 6.3% | 4.4% | £162 | 8.7% |
| Bull | £1,062 | 6.9% | 5.0% | £308 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.84% |
| Net Yield | ●3.96% |
| Net Annual Income | £7,331 |
| Deductions: void 8% (−£864) · mgmt 10% (−£1,080) · maint 10% (−£1,080) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £577 |
| Monthly Cashflow (IO) | ●£34 |
| Cash-on-Cash Return | ●0.65% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £1,970 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £765 | 5.0% | 3.0% | £-291 | -12.8% |
| Conservative | £837 | 5.4% | 3.6% | £-87 | -1.5% |
| Base | £900 | 5.8% | 4.0% | £33 | 3.3% |
| Optimistic | £972 | 6.3% | 4.4% | £162 | 8.7% |
| Bull | £1,062 | 6.9% | 5.0% | £308 | 15.5% |
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