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House · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 68% above the area median. Offers anchored to area median of £172,000. 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 | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| 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
- £290,000
- Property Type
- House
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £16,066 | £298,700 | £11,123 | £248 | £8,948 | 9.4% |
| Yr 3 | £16,879 | £316,891 | £11,708 | £1,617 | £28,508 | 29.8% |
| Yr 5 | £17,734 | £336,189 | £12,323 | £4,203 | £50,392 | 52.7% |
| Yr 10 | £20,064 | £389,736 | £14,001 | £16,395 | £116,131 | 121.5% |
| Yr 15 | £22,701 | £451,811 | £15,900 | £37,628 | £199,438 | 208.6% |
| Yr 20 | £25,684 | £523,772 | £18,047 | £69,088 | £302,861 | 316.8% |
| Yr 25 | £29,059 | £607,196 | £20,477 | £112,121 | £429,316 | 449.1% |
| Yr 30 | £32,878 | £703,906 | £23,227 | £168,245 | £582,152 | 608.9% |
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 | £1,138 | 4.7% | 2.9% | £-475 | -13.3% |
| Conservative | £1,245 | 5.2% | 3.5% | £-162 | -2.0% |
| Base | £1,339 | 5.5% | 3.8% | £21 | 2.8% |
| Optimistic | £1,446 | 6.0% | 4.3% | £217 | 8.2% |
| Bull | £1,580 | 6.5% | 4.8% | £439 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.54% |
| Net Yield | ●3.84% |
| Net Annual Income | £11,124 |
| Deductions: void 8% (−£1,285) · mgmt 10% (−£1,607) · maint 10% (−£1,607) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£23 |
| Cash-on-Cash Return | ●0.26% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,000 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £19,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £2,905 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,189 |
| Less: Purchase Price | −£290,000 |
| Less: Buying Costs (SDLT + legal) | −£21,600 |
| Less: Selling Costs (est. 2.5%) | −£8,405 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,138 | 4.7% | 2.9% | £-475 | -13.3% |
| Conservative | £1,245 | 5.2% | 3.5% | £-162 | -2.0% |
| Base | £1,339 | 5.5% | 3.8% | £21 | 2.8% |
| Optimistic | £1,446 | 6.0% | 4.3% | £217 | 8.2% |
| Bull | £1,580 | 6.5% | 4.8% | £439 | 15.1% |
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