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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £227,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £600 |
| Bedroom 2 | £600 |
| Bedroom 3 | £600 |
| 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
- £240,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £13,752 | £247,200 | £9,456 | £456 | £7,656 | 9.8% |
| Yr 3 | £14,448 | £262,254 | £9,958 | £2,118 | £24,373 | 31.1% |
| Yr 5 | £15,180 | £278,226 | £10,484 | £4,820 | £43,046 | 54.9% |
| Yr 10 | £17,174 | £322,540 | £11,921 | £16,480 | £99,020 | 126.3% |
| Yr 15 | £19,431 | £373,912 | £13,545 | £35,877 | £169,789 | 216.6% |
| Yr 20 | £21,985 | £433,467 | £15,384 | £64,029 | £257,496 | 328.4% |
| Yr 25 | £24,874 | £502,507 | £17,464 | £102,086 | £364,593 | 465.0% |
| Yr 30 | £28,142 | £582,543 | £19,817 | £151,350 | £493,893 | 630.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £975 | 4.9% | 3.0% | £-378 | -12.8% |
| Conservative | £1,067 | 5.3% | 3.5% | £-115 | -1.5% |
| Base | £1,147 | 5.7% | 3.9% | £39 | 3.3% |
| Optimistic | £1,239 | 6.2% | 4.4% | £205 | 8.7% |
| Bull | £1,353 | 6.8% | 5.0% | £392 | 15.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.73% |
| Net Yield | ●3.94% |
| Net Annual Income | £9,465 |
| Deductions: void 8% (−£1,100) · mgmt 10% (−£1,375) · maint 10% (−£1,375) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £748 |
| Monthly Cashflow (IO) | ●£41 |
| Cash-on-Cash Return | ●0.59% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,300 |
| SDLT Effective Rate | 5.96% |
| SDLT (Company) | £14,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,800 |
| SPV Annual Saving | £2,488 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £278,226 |
| Less: Purchase Price | −£240,000 |
| Less: Buying Costs (SDLT + legal) | −£16,900 |
| Less: Selling Costs (est. 2.5%) | −£6,956 |
| = CGT Net Gain (5yr) | £14,370 |
| CGT at 24% | £2,729 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £975 | 4.9% | 3.0% | £-378 | -12.8% |
| Conservative | £1,067 | 5.3% | 3.5% | £-115 | -1.5% |
| Base | £1,147 | 5.7% | 3.9% | £39 | 3.3% |
| Optimistic | £1,239 | 6.2% | 4.4% | £205 | 8.7% |
| Bull | £1,353 | 6.8% | 5.0% | £392 | 15.6% |
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