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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | MJH Builders Southampton | 02380 191323 | — |
| decorator | Painters and Decorators Southampton | Free Quotes | 0238-001-7170 | — |
| photographer | Julian Porter Photography | 07720 325336 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,300–1,400 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 | £22,520 | £412,000 | £15,769 | £769 | £12,769 | 9.5% |
| Yr 3 | £23,660 | £437,091 | £16,590 | £3,534 | £40,625 | 30.3% |
| Yr 5 | £24,858 | £463,710 | £17,453 | £8,003 | £71,713 | 53.5% |
| Yr 10 | £28,124 | £537,567 | £19,805 | £27,206 | £164,773 | 122.9% |
| Yr 15 | £31,820 | £623,187 | £22,466 | £59,080 | £282,267 | 210.5% |
| Yr 20 | £36,002 | £722,444 | £25,476 | £105,291 | £427,736 | 319.0% |
| Yr 25 | £40,733 | £837,511 | £28,882 | £167,723 | £605,234 | 451.3% |
| Yr 30 | £46,085 | £970,905 | £32,736 | £248,506 | £819,411 | 611.0% |
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 | £1,596 | 4.8% | 3.0% | £-624 | -13.2% |
| Conservative | £1,747 | 5.2% | 3.6% | £-190 | -2.1% |
| Base | £1,878 | 5.6% | 3.9% | £65 | 2.7% |
| Optimistic | £2,028 | 6.1% | 4.4% | £339 | 8.1% |
| Bull | £2,216 | 6.6% | 4.9% | £647 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.63% |
| Net Yield | ●3.95% |
| Net Annual Income | £15,781 |
| Deductions: void 8% (−£1,802) · mgmt 10% (−£2,252) · maint 10% (−£2,252) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£67 |
| Cash-on-Cash Return | ●0.58% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £4,017 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,596 | 4.8% | 3.0% | £-624 | -13.2% |
| Conservative | £1,747 | 5.2% | 3.6% | £-190 | -2.1% |
| Base | £1,878 | 5.6% | 3.9% | £65 | 2.7% |
| Optimistic | £2,028 | 6.1% | 4.4% | £339 | 8.1% |
| Bull | £2,216 | 6.6% | 4.9% | £647 | 14.9% |
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