🔒 Sign in to view the address — Plymouth
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: 8/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £800 |
| Bathroom | £600 |
| Living Room | £350 |
| Hallway / Stairs | £150 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Bedroom 4 | £200 |
| Total Estimated Refurb | £2,200 |
⚠ 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
- £220,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 | £17,600 | £226,600 | £12,227 | £3,977 | £10,577 | 14.7% |
| Yr 3 | £18,491 | £240,400 | £12,869 | £12,889 | £33,289 | 46.2% |
| Yr 5 | £19,427 | £255,040 | £13,543 | £23,133 | £58,173 | 80.8% |
| Yr 10 | £21,980 | £295,662 | £15,381 | £55,019 | £130,681 | 181.5% |
| Yr 15 | £24,868 | £342,753 | £17,460 | £96,808 | £219,561 | 304.9% |
| Yr 20 | £28,136 | £397,344 | £19,813 | £149,802 | £327,146 | 454.4% |
| Yr 25 | £31,834 | £460,631 | £22,475 | £215,472 | £456,103 | 633.5% |
| Yr 30 | £36,017 | £533,998 | £25,487 | £295,485 | £609,483 | 846.5% |
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 | 6.8% | 4.2% | £-121 | -6.8% |
| Conservative | £1,363 | 7.4% | 5.0% | £161 | 3.5% |
| Base | £1,466 | 8.0% | 5.6% | £331 | 8.0% |
| Optimistic | £1,583 | 8.6% | 6.2% | £516 | 13.1% |
| Bull | £1,730 | 9.4% | 7.0% | £728 | 19.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.0% |
| Net Yield | ●5.56% |
| 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 | £686 |
| Monthly Cashflow (IO) | ●£332 |
| Cash-on-Cash Return | ●5.52% |
| 5-Year IRR | ●8.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,986 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.8% | 4.2% | £-121 | -6.8% |
| Conservative | £1,363 | 7.4% | 5.0% | £161 | 3.5% |
| Base | £1,466 | 8.0% | 5.6% | £331 | 8.0% |
| Optimistic | £1,583 | 8.6% | 6.2% | £516 | 13.1% |
| Bull | £1,730 | 9.4% | 7.0% | £728 | 19.5% |
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