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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,000 |
| Bathroom | £1,450 |
| Living Room | £850 |
| Hallway / Stairs | £350 |
| Master Bedroom | £500 |
| Bedroom 2 | £500 |
| Bedroom 3 | £500 |
| Bedroom 4 | £500 |
| Total Estimated Refurb | £5,500 |
⚠ 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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £250,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £17,600 | £257,500 | £12,227 | £2,852 | £10,352 | 12.7% |
| Yr 3 | £18,491 | £273,182 | £12,869 | £9,514 | £32,696 | 40.1% |
| Yr 5 | £19,427 | £289,819 | £13,543 | £17,508 | £57,327 | 70.3% |
| Yr 10 | £21,980 | £335,979 | £15,381 | £43,769 | £129,748 | 159.0% |
| Yr 15 | £24,868 | £389,492 | £17,460 | £79,933 | £219,425 | 268.9% |
| Yr 20 | £28,136 | £451,528 | £19,813 | £127,302 | £328,830 | 403.0% |
| Yr 25 | £31,834 | £523,444 | £22,475 | £187,347 | £460,792 | 564.7% |
| Yr 30 | £36,017 | £606,816 | £25,487 | £261,735 | £618,551 | 758.0% |
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 — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.0% | 3.7% | £-243 | -9.2% |
| Conservative | £1,363 | 6.5% | 4.4% | £58 | 1.5% |
| Base | £1,466 | 7.0% | 4.9% | £237 | 6.1% |
| Optimistic | £1,583 | 7.6% | 5.4% | £431 | 11.3% |
| Bull | £1,730 | 8.3% | 6.1% | £653 | 17.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.04% |
| Net Yield | ●4.89% |
| Net Annual Income | £12,221 |
| Deductions: void 8% (−£1,408) · mgmt 10% (−£1,760) · maint 10% (−£1,760) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£238 |
| Cash-on-Cash Return | ●3.49% |
| 5-Year IRR | ●6.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £3,042 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.0% | 3.7% | £-243 | -9.2% |
| Conservative | £1,363 | 6.5% | 4.4% | £58 | 1.5% |
| Base | £1,466 | 7.0% | 4.9% | £237 | 6.1% |
| Optimistic | £1,583 | 7.6% | 5.4% | £431 | 11.3% |
| Bull | £1,730 | 8.3% | 6.1% | £653 | 17.9% |
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