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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 13% above the area median. Offers anchored to area median of £247,000. 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
- £280,000
- Property Type
- Semi-Detached
- 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 | £20,076 | £288,400 | £14,010 | £3,510 | £11,910 | 12.9% |
| Yr 3 | £21,092 | £305,964 | £14,741 | £11,622 | £37,586 | 40.8% |
| Yr 5 | £22,160 | £324,597 | £15,510 | £21,254 | £65,850 | 71.5% |
| Yr 10 | £25,072 | £376,297 | £17,607 | £52,492 | £148,788 | 161.6% |
| Yr 15 | £28,367 | £436,231 | £19,979 | £95,026 | £251,257 | 272.8% |
| Yr 20 | £32,095 | £505,711 | £22,663 | £150,341 | £376,052 | 408.3% |
| Yr 25 | £36,312 | £586,258 | £25,700 | £220,116 | £526,374 | 571.5% |
| Yr 30 | £41,084 | £679,633 | £29,135 | £306,251 | £705,885 | 766.4% |
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 | £1,421 | 6.1% | 3.8% | £-251 | -8.9% |
| Conservative | £1,555 | 6.7% | 4.5% | £89 | 1.6% |
| Base | £1,672 | 7.2% | 5.0% | £292 | 6.2% |
| Optimistic | £1,806 | 7.7% | 5.6% | £512 | 11.4% |
| Bull | £1,973 | 8.5% | 6.3% | £762 | 18.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.17% |
| Net Yield | ●5.0% |
| 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 | £873 |
| Monthly Cashflow (IO) | ●£294 |
| Cash-on-Cash Return | ●3.8% |
| 5-Year IRR | ●6.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £3,445 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,421 | 6.1% | 3.8% | £-251 | -8.9% |
| Conservative | £1,555 | 6.7% | 4.5% | £89 | 1.6% |
| Base | £1,672 | 7.2% | 5.0% | £292 | 6.2% |
| Optimistic | £1,806 | 7.7% | 5.6% | £512 | 11.4% |
| Bull | £1,973 | 8.5% | 6.3% | £762 | 18.0% |
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