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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 83% above the area median. Offers anchored to area median of £171,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,050 |
| Bathroom | £1,500 |
| Living Room | £900 |
| Hallway / Stairs | £350 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Bedroom 4 | £550 |
| Total Estimated Refurb | £5,750 |
⚠ 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 | GMF Builders | Building and Landscape Maintenance Service ... | 07905 057145 | — |
| photographer | Peterborough wedding and family photographer | Boudoir ... | 04349397800 | — |
Property Details
- Asking Price
- £315,000
- Property Type
- Terraced
- 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 | £18,050 | £324,450 | £12,551 | £738 | £10,188 | 9.8% |
| Yr 3 | £18,963 | £344,209 | £13,209 | £3,197 | £32,406 | 31.1% |
| Yr 5 | £19,923 | £365,171 | £13,900 | £7,022 | £57,193 | 54.8% |
| Yr 10 | £22,541 | £423,334 | £15,785 | £23,020 | £131,354 | 125.9% |
| Yr 15 | £25,503 | £490,760 | £17,917 | £49,174 | £224,934 | 215.6% |
| Yr 20 | £28,855 | £568,925 | £20,330 | £86,819 | £340,744 | 326.5% |
| Yr 25 | £32,647 | £659,540 | £23,061 | £137,465 | £482,005 | 461.9% |
| Yr 30 | £36,937 | £764,588 | £26,149 | £202,819 | £652,406 | 625.2% |
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 of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,278 | 4.9% | 3.0% | £-486 | -12.9% |
| Conservative | £1,399 | 5.3% | 3.6% | £-141 | -1.7% |
| Base | £1,504 | 5.7% | 4.0% | £61 | 3.1% |
| Optimistic | £1,624 | 6.2% | 4.4% | £279 | 8.5% |
| Bull | £1,775 | 6.8% | 5.0% | £524 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.73% |
| Net Yield | ●3.98% |
| Net Annual Income | £12,550 |
| Deductions: void 8% (−£1,444) · mgmt 10% (−£1,805) · maint 10% (−£1,805) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £982 |
| Monthly Cashflow (IO) | ●£64 |
| Cash-on-Cash Return | ●0.71% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,500 |
| SDLT Effective Rate | 6.83% |
| SDLT (Company) | £21,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,363 |
| SPV Annual Saving | £3,229 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £365,171 |
| Less: Purchase Price | −£315,000 |
| Less: Buying Costs (SDLT + legal) | −£24,100 |
| Less: Selling Costs (est. 2.5%) | −£9,129 |
| = CGT Net Gain (5yr) | £16,942 |
| CGT at 24% | £3,346 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,278 | 4.9% | 3.0% | £-486 | -12.9% |
| Conservative | £1,399 | 5.3% | 3.6% | £-141 | -1.7% |
| Base | £1,504 | 5.7% | 4.0% | £61 | 3.1% |
| Optimistic | £1,624 | 6.2% | 4.4% | £279 | 8.5% |
| Bull | £1,775 | 6.8% | 5.0% | £524 | 15.3% |
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