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Terraced · 4 bed
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Suggested Offer Range
Asking price is 28% above the area median. Offers anchored to area median of £186,000.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £240,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
All yield, cashflow, SDLT, CGT and mortgage figures on this page are calculated on the estimated effective purchase cost — not the guide price shown above.
| Guide price | £240,000 |
| Estimated hammer (mid) | £288,000 (guide × 1.20 — typical range is +10–35%) |
| Buyer’s premium (4% + VAT = 4.8%) | £13,824 |
| Legal fees (est.) | £1,500 |
| Effective purchase cost | £303,324 (+26.4% vs guide) |
Guide prices can change before auction day. Always verify the reserve price and obtain legal pack before bidding.
📈 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 | £13,920 | £247,200 | £9,577 | £577 | £7,777 | 9.9% |
| Yr 3 | £14,625 | £262,254 | £10,085 | £2,490 | £24,745 | 31.6% |
| Yr 5 | £15,365 | £278,226 | £10,618 | £5,456 | £43,682 | 55.7% |
| Yr 10 | £17,384 | £322,540 | £12,072 | £17,835 | £100,375 | 128.0% |
| Yr 15 | £19,669 | £373,912 | £13,716 | £38,046 | £171,958 | 219.3% |
| Yr 20 | £22,253 | £433,467 | £15,577 | £67,119 | £260,585 | 332.4% |
| Yr 25 | £25,177 | £502,507 | £17,683 | £106,218 | £368,724 | 470.3% |
| Yr 30 | £28,486 | £582,543 | £20,065 | £156,660 | £499,203 | 636.7% |
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 | 4.9% | 3.1% | £-459 | -12.6% |
| Conservative | £1,363 | 5.4% | 3.6% | £-125 | -1.5% |
| Base | £1,466 | 5.8% | 4.0% | £71 | 3.3% |
| Optimistic | £1,583 | 6.3% | 4.5% | £281 | 8.7% |
| Bull | £1,730 | 6.8% | 5.1% | £519 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.8% |
| Net Yield | ●4.03% |
| Net Annual Income | £12,221 |
| Deductions: void 8% (−£1,114) · mgmt 10% (−£1,392) · maint 10% (−£1,392) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £946 |
| Monthly Cashflow (IO) | ●£72 |
| Cash-on-Cash Return | ●0.84% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,332 |
| SDLT Effective Rate | 6.7% |
| SDLT (Company) | £20,332 |
| Section 24 Extra Tax/yr (higher rate) | £2,275 |
| SPV Annual Saving | £3,143 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £351,636 |
| Less: Purchase Price | −£303,324 |
| Less: Buying Costs (SDLT + legal) | −£22,932 |
| Less: Selling Costs (est. 2.5%) | −£8,791 |
| = CGT Net Gain (5yr) | £16,589 |
| CGT at 24% | £3,261 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 4.9% | 3.1% | £-459 | -12.6% |
| Conservative | £1,363 | 5.4% | 3.6% | £-125 | -1.5% |
| Base | £1,466 | 5.8% | 4.0% | £71 | 3.3% |
| Optimistic | £1,583 | 6.3% | 4.5% | £281 | 8.7% |
| Bull | £1,730 | 6.8% | 5.1% | £519 | 15.5% |
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