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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the area median — some negotiation possible but limited margin. 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 | £400 |
| Bedroom 2 | £400 |
| 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
- £180,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £10,386 | £185,400 | £7,033 | £283 | £5,683 | 9.6% |
| Yr 3 | £10,912 | £196,691 | £7,411 | £1,414 | £18,105 | 30.6% |
| Yr 5 | £11,464 | £208,669 | £7,809 | £3,331 | £32,001 | 54.1% |
| Yr 10 | £12,971 | £241,905 | £8,894 | £11,828 | £73,733 | 124.5% |
| Yr 15 | £14,675 | £280,434 | £10,121 | £26,169 | £126,603 | 213.9% |
| Yr 20 | £16,604 | £325,100 | £11,510 | £47,121 | £192,221 | 324.7% |
| Yr 25 | £18,785 | £376,880 | £13,081 | £75,554 | £272,434 | 460.2% |
| Yr 30 | £21,254 | £436,907 | £14,858 | £112,451 | £369,358 | 623.9% |
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
View all planning applications on your dashboard →
● 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 | £735 | 4.9% | 2.9% | £-290 | -13.0% |
| Conservative | £804 | 5.4% | 3.5% | £-93 | -1.7% |
| Base | £865 | 5.8% | 3.9% | £23 | 3.1% |
| Optimistic | £934 | 6.2% | 4.4% | £148 | 8.5% |
| Bull | £1,021 | 6.8% | 4.9% | £289 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.77% |
| Net Yield | ●3.91% |
| Net Annual Income | £7,029 |
| Deductions: void 8% (−£831) · mgmt 10% (−£1,039) · maint 10% (−£1,039) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£25 |
| Cash-on-Cash Return | ●0.47% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £1,902 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £735 | 4.9% | 2.9% | £-290 | -13.0% |
| Conservative | £804 | 5.4% | 3.5% | £-93 | -1.7% |
| Base | £865 | 5.8% | 3.9% | £23 | 3.1% |
| Optimistic | £934 | 6.2% | 4.4% | £148 | 8.5% |
| Bull | £1,021 | 6.8% | 4.9% | £289 | 15.4% |
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