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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £268,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Bedroom 4 | £200 |
| Total Estimated Refurb | £1,900 |
⚠ 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 | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- 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 | £19,950 | £360,500 | £13,919 | £794 | £11,294 | 9.7% |
| Yr 3 | £20,960 | £382,454 | £14,646 | £3,468 | £35,923 | 30.8% |
| Yr 5 | £22,021 | £405,746 | £15,410 | £7,652 | £63,398 | 54.4% |
| Yr 10 | £24,915 | £470,371 | £17,494 | £25,225 | £145,596 | 124.9% |
| Yr 15 | £28,189 | £545,289 | £19,851 | £54,024 | £249,313 | 213.8% |
| Yr 20 | £31,893 | £632,139 | £22,518 | £95,523 | £377,662 | 323.9% |
| Yr 25 | £36,084 | £732,822 | £25,536 | £151,392 | £534,214 | 458.2% |
| Yr 30 | £40,826 | £849,542 | £28,950 | £223,518 | £723,060 | 620.1% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 4.8% | 3.0% | £-541 | -13.0% |
| Conservative | £1,546 | 5.3% | 3.6% | £-158 | -1.8% |
| Base | £1,662 | 5.7% | 4.0% | £66 | 2.9% |
| Optimistic | £1,795 | 6.2% | 4.4% | £307 | 8.4% |
| Bull | £1,961 | 6.7% | 5.0% | £578 | 15.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.7% |
| Net Yield | ●3.98% |
| Net Annual Income | £13,915 |
| Deductions: void 8% (−£1,596) · mgmt 10% (−£1,995) · maint 10% (−£1,995) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£68 |
| Cash-on-Cash Return | ●0.68% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,559 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 4.8% | 3.0% | £-541 | -13.0% |
| Conservative | £1,546 | 5.3% | 3.6% | £-158 | -1.8% |
| Base | £1,662 | 5.7% | 4.0% | £66 | 2.9% |
| Optimistic | £1,795 | 6.2% | 4.4% | £307 | 8.4% |
| Bull | £1,961 | 6.7% | 5.0% | £578 | 15.2% |
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