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Bungalow · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 16% above the area median. Offers anchored to area median of £202,000. 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 | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| 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
- £235,000
- Property Type
- Bungalow
- Bedrooms
- 4
- 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 | £20,069 | £242,050 | £14,005 | £5,192 | £12,242 | 15.9% |
| Yr 3 | £21,085 | £256,791 | £14,736 | £16,669 | £38,460 | 50.1% |
| Yr 5 | £22,152 | £272,429 | £15,505 | £29,665 | £67,094 | 87.4% |
| Yr 10 | £25,063 | £315,820 | £17,601 | £69,310 | £150,131 | 195.5% |
| Yr 15 | £28,357 | £366,122 | £19,972 | £120,248 | £251,370 | 327.3% |
| Yr 20 | £32,083 | £424,436 | £22,655 | £183,962 | £373,398 | 486.2% |
| Yr 25 | £36,299 | £492,038 | £25,691 | £262,131 | £519,169 | 676.0% |
| Yr 30 | £41,069 | £570,407 | £29,125 | £356,655 | £692,062 | 901.1% |
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 | £1,421 | 7.3% | 4.5% | £-68 | -5.2% |
| Conservative | £1,555 | 7.9% | 5.4% | £244 | 4.8% |
| Base | £1,672 | 8.5% | 6.0% | £432 | 9.2% |
| Optimistic | £1,806 | 9.2% | 6.6% | £638 | 14.2% |
| Bull | £1,973 | 10.1% | 7.5% | £875 | 20.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.54% |
| Net Yield | ●5.96% |
| Net Annual Income | £14,001 |
| Deductions: void 8% (−£1,606) · mgmt 10% (−£2,007) · maint 10% (−£2,007) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £733 |
| Monthly Cashflow (IO) | ●£434 |
| Cash-on-Cash Return | ●6.76% |
| 5-Year IRR | ●9.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,950 |
| SDLT Effective Rate | 5.94% |
| SDLT (Company) | £13,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,762 |
| SPV Annual Saving | £3,361 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £272,429 |
| Less: Purchase Price | −£235,000 |
| Less: Buying Costs (SDLT + legal) | −£16,550 |
| Less: Selling Costs (est. 2.5%) | −£6,811 |
| = CGT Net Gain (5yr) | £14,068 |
| CGT at 24% | £2,656 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,421 | 7.3% | 4.5% | £-68 | -5.2% |
| Conservative | £1,555 | 7.9% | 5.4% | £244 | 4.8% |
| Base | £1,672 | 8.5% | 6.0% | £432 | 9.2% |
| Optimistic | £1,806 | 9.2% | 6.6% | £638 | 14.2% |
| Bull | £1,973 | 10.1% | 7.5% | £875 | 20.6% |
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