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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 20% above the area median. Offers anchored to area median of £191,000. 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
- £230,000
- 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 | £17,595 | £236,900 | £12,223 | £3,598 | £10,498 | 14.0% |
| Yr 3 | £18,486 | £251,327 | £12,865 | £11,753 | £33,080 | 44.0% |
| Yr 5 | £19,422 | £266,633 | £13,539 | £21,239 | £57,872 | 77.0% |
| Yr 10 | £21,974 | £309,101 | £15,376 | £51,229 | £130,330 | 173.3% |
| Yr 15 | £24,861 | £358,333 | £17,455 | £91,119 | £219,451 | 291.8% |
| Yr 20 | £28,128 | £415,406 | £19,807 | £142,210 | £327,616 | 435.7% |
| Yr 25 | £31,825 | £481,569 | £22,469 | £205,974 | £457,543 | 608.4% |
| Yr 30 | £36,007 | £558,270 | £25,480 | £284,077 | £612,347 | 814.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | 6.5% | 4.0% | £-161 | -7.6% |
| Conservative | £1,363 | 7.1% | 4.8% | £127 | 2.8% |
| Base | £1,466 | 7.6% | 5.3% | £300 | 7.3% |
| Optimistic | £1,583 | 8.3% | 5.9% | £488 | 12.4% |
| Bull | £1,730 | 9.0% | 6.7% | £703 | 18.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.65% |
| Net Yield | ●5.31% |
| 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 | £717 |
| Monthly Cashflow (IO) | ●£301 |
| Cash-on-Cash Return | ●4.78% |
| 5-Year IRR | ●7.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £3,005 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.5% | 4.0% | £-161 | -7.6% |
| Conservative | £1,363 | 7.1% | 4.8% | £127 | 2.8% |
| Base | £1,466 | 7.6% | 5.3% | £300 | 7.3% |
| Optimistic | £1,583 | 8.3% | 5.9% | £488 | 12.4% |
| Bull | £1,730 | 9.0% | 6.7% | £703 | 18.9% |
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