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Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 58% above the area median. Offers anchored to area median of £189,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| Bedroom 6 | £300 |
| Total Estimated Refurb | £4,750 |
⚠ 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
- £300,000
- Property Type
- Terraced
- Bedrooms
- 6
- Bathrooms
- N/A
- Floor Area
- 1,600–1,700 sqft
- 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 | £36,000 | £309,000 | £25,475 | £14,225 | £23,225 | 23.4% |
| Yr 3 | £37,822 | £327,818 | £26,787 | £44,635 | £72,453 | 73.1% |
| Yr 5 | £39,737 | £347,782 | £28,166 | £77,769 | £125,551 | 126.7% |
| Yr 10 | £44,959 | £403,175 | £31,926 | £173,442 | £276,617 | 279.1% |
| Yr 15 | £50,867 | £467,390 | £36,179 | £289,371 | £456,761 | 460.9% |
| Yr 20 | £57,551 | £541,833 | £40,992 | £428,218 | £670,051 | 676.1% |
| Yr 25 | £65,114 | £628,133 | £46,437 | £592,994 | £921,128 | 929.5% |
| Yr 30 | £73,671 | £728,179 | £52,598 | £787,108 | £1,215,287 | 1226.3% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 10.2% | 6.5% | £402 | 3.7% |
| Conservative | £2,790 | 11.2% | 7.7% | £885 | 12.3% |
| Base | £3,000 | 12.0% | 8.5% | £1,185 | 16.2% |
| Optimistic | £3,240 | 13.0% | 9.4% | £1,517 | 20.8% |
| Bull | £3,540 | 14.2% | 10.6% | £1,903 | 26.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.0% |
| Net Yield | ●8.49% |
| Net Annual Income | £25,475 |
| Deductions: void 8% (−£2,880) · mgmt 10% (−£3,600) · maint 10% (−£3,600) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £936 |
| Monthly Cashflow (IO) | ●£1,187 |
| Cash-on-Cash Return | ●14.35% |
| 5-Year IRR | ●16.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,000 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £20,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £5,714 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,782 |
| Less: Purchase Price | −£300,000 |
| Less: Buying Costs (SDLT + legal) | −£22,600 |
| Less: Selling Costs (est. 2.5%) | −£8,695 |
| = CGT Net Gain (5yr) | £16,487 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,550 | 10.2% | 6.5% | £402 | 3.7% |
| Conservative | £2,790 | 11.2% | 7.7% | £885 | 12.3% |
| Base | £3,000 | 12.0% | 8.5% | £1,185 | 16.2% |
| Optimistic | £3,240 | 13.0% | 9.4% | £1,517 | 20.8% |
| Bull | £3,540 | 14.2% | 10.6% | £1,903 | 26.6% |
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