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House · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 12% above the area median. Offers anchored to area median of £250,000. 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 | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| 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
- £280,000
- Property Type
- House
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 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 | £16,044 | £288,400 | £11,107 | £607 | £9,007 | 9.8% |
| Yr 3 | £16,856 | £305,964 | £11,691 | £2,694 | £28,657 | 31.1% |
| Yr 5 | £17,710 | £324,597 | £12,306 | £5,994 | £50,591 | 54.9% |
| Yr 10 | £20,037 | £376,297 | £13,981 | £19,968 | £116,264 | 126.2% |
| Yr 15 | £22,670 | £436,231 | £15,877 | £42,969 | £199,200 | 216.3% |
| Yr 20 | £25,649 | £505,711 | £18,022 | £76,184 | £301,895 | 327.8% |
| Yr 25 | £29,019 | £586,258 | £20,449 | £120,955 | £427,212 | 463.9% |
| Yr 30 | £32,833 | £679,633 | £23,194 | £178,800 | £578,433 | 628.0% |
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 East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,137 | 4.9% | 3.0% | £-435 | -12.8% |
| Conservative | £1,244 | 5.3% | 3.6% | £-129 | -1.6% |
| Base | £1,338 | 5.7% | 4.0% | £51 | 3.2% |
| Optimistic | £1,445 | 6.2% | 4.4% | £245 | 8.6% |
| Bull | £1,579 | 6.8% | 5.0% | £463 | 15.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.73% |
| Net Yield | ●3.97% |
| Net Annual Income | £11,115 |
| Deductions: void 8% (−£1,284) · mgmt 10% (−£1,604) · maint 10% (−£1,604) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £873 |
| Monthly Cashflow (IO) | ●£53 |
| Cash-on-Cash Return | ●0.67% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £2,884 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,137 | 4.9% | 3.0% | £-435 | -12.8% |
| Conservative | £1,244 | 5.3% | 3.6% | £-129 | -1.6% |
| Base | £1,338 | 5.7% | 4.0% | £51 | 3.2% |
| Optimistic | £1,445 | 6.2% | 4.4% | £245 | 8.6% |
| Bull | £1,579 | 6.8% | 5.0% | £463 | 15.5% |
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