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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 35% above the area median. Offers anchored to area median of £320,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £950 |
| Bathroom | £700 |
| Living Room | £400 |
| Hallway / Stairs | £150 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Bedroom 4 | £250 |
| Total Estimated Refurb | £2,500 |
⚠ 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 | Builders in Portsmouth & Southampton | Limewood Builders ... | 023 8218 0519 | — |
| decorator | Painters and Decorators in Portsmouth: Stark and Son | 07446 099673 | — |
| photographer | Musselwhite Photography | 023 9343 0100 | — |
Property Details
- Asking Price
- £435,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,500–1,600 sqft
- 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 | £23,316 | £448,050 | £16,343 | £30 | £13,080 | 8.9% |
| Yr 3 | £24,496 | £475,336 | £17,192 | £1,360 | £41,696 | 28.5% |
| Yr 5 | £25,737 | £504,284 | £18,085 | £4,453 | £73,737 | 50.4% |
| Yr 10 | £29,118 | £584,604 | £20,520 | £20,502 | £170,106 | 116.2% |
| Yr 15 | £32,945 | £677,716 | £23,275 | £49,670 | £292,386 | 199.8% |
| Yr 20 | £37,274 | £785,658 | £26,392 | £93,681 | £444,340 | 303.6% |
| Yr 25 | £42,172 | £910,793 | £29,919 | £154,487 | £630,280 | 430.7% |
| Yr 30 | £47,714 | £1,055,859 | £33,909 | £234,293 | £855,152 | 584.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 4.6% | 2.9% | £-731 | -14.0% |
| Conservative | £1,806 | 5.0% | 3.4% | £-268 | -2.7% |
| Base | £1,942 | 5.4% | 3.8% | £2 | 2.1% |
| Optimistic | £2,097 | 5.8% | 4.2% | £292 | 7.5% |
| Bull | £2,292 | 6.3% | 4.7% | £617 | 14.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.36% |
| Net Yield | ●3.75% |
| Net Annual Income | £16,334 |
| Deductions: void 8% (−£1,865) · mgmt 10% (−£2,332) · maint 10% (−£2,332) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,357 |
| Monthly Cashflow (IO) | ●£4 |
| Cash-on-Cash Return | ●0.01% |
| 5-Year IRR | ●2.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £33,500 |
| SDLT Effective Rate | 7.7% |
| SDLT (Company) | £33,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,263 |
| SPV Annual Saving | £4,190 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £504,284 |
| Less: Purchase Price | −£435,000 |
| Less: Buying Costs (SDLT + legal) | −£36,100 |
| Less: Selling Costs (est. 2.5%) | −£12,607 |
| = CGT Net Gain (5yr) | £20,577 |
| CGT at 24% | £4,219 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 4.6% | 2.9% | £-731 | -14.0% |
| Conservative | £1,806 | 5.0% | 3.4% | £-268 | -2.7% |
| Base | £1,942 | 5.4% | 3.8% | £2 | 2.1% |
| Optimistic | £2,097 | 5.8% | 4.2% | £292 | 7.5% |
| Bull | £2,292 | 6.3% | 4.7% | £617 | 14.4% |
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