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End of Terrace · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 17% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,050 |
| Bathroom | £1,500 |
| Living Room | £900 |
| Master Bedroom | £1,000 |
| Bedroom 2 | £1,000 |
| Entrance Hall | £200 |
| 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
- £175,000
- Property Type
- End of Terrace
- 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 | £10,378 | £180,250 | £7,027 | £464 | £5,714 | 9.9% |
| Yr 3 | £10,903 | £191,227 | £7,405 | £1,958 | £18,185 | 31.6% |
| Yr 5 | £11,455 | £202,873 | £7,802 | £4,237 | £32,110 | 55.7% |
| Yr 10 | £12,960 | £235,185 | £8,886 | £13,634 | £73,820 | 128.2% |
| Yr 15 | £14,663 | £272,644 | £10,112 | £28,871 | £126,516 | 219.6% |
| Yr 20 | £16,590 | £316,069 | £11,500 | £50,715 | £191,784 | 333.0% |
| Yr 25 | £18,770 | £366,411 | £13,069 | £80,032 | £271,444 | 471.3% |
| Yr 30 | £21,237 | £424,771 | £14,845 | £117,807 | £367,578 | 638.2% |
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 | 5.0% | 3.0% | £-270 | -12.6% |
| Conservative | £804 | 5.5% | 3.6% | £-76 | -1.3% |
| Base | £865 | 5.9% | 4.0% | £39 | 3.4% |
| Optimistic | £934 | 6.4% | 4.5% | £162 | 8.8% |
| Bull | £1,021 | 7.0% | 5.1% | £301 | 15.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.93% |
| Net Yield | ●4.02% |
| Net Annual Income | £7,029 |
| Deductions: void 8% (−£830) · mgmt 10% (−£1,038) · maint 10% (−£1,038) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £546 |
| Monthly Cashflow (IO) | ●£40 |
| Cash-on-Cash Return | ●0.81% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,750 |
| SDLT Effective Rate | 5.57% |
| SDLT (Company) | £9,750 |
| Section 24 Extra Tax/yr (higher rate) | £1,313 |
| SPV Annual Saving | £1,892 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £202,873 |
| Less: Purchase Price | −£175,000 |
| Less: Buying Costs (SDLT + legal) | −£12,350 |
| Less: Selling Costs (est. 2.5%) | −£5,072 |
| = CGT Net Gain (5yr) | £10,451 |
| CGT at 24% | £1,788 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £735 | 5.0% | 3.0% | £-270 | -12.6% |
| Conservative | £804 | 5.5% | 3.6% | £-76 | -1.3% |
| Base | £865 | 5.9% | 4.0% | £39 | 3.4% |
| Optimistic | £934 | 6.4% | 4.5% | £162 | 8.8% |
| Bull | £1,021 | 7.0% | 5.1% | £301 | 15.6% |
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