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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | Complete Construction Swindon is a residential construction and ... | 07881963867 | — |
| decorator | Cook'S Decorating: Decorators In Swindon | 07795 154599 | — |
| photographer | Newborn Family Photographer | Jo-Jo Photography | Swindon | 07990 543765 | — |
Property Details
- Asking Price
- £247,500
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £14,380 | £254,925 | £9,908 | £627 | £8,052 | 10.0% |
| Yr 3 | £15,108 | £270,450 | £10,433 | £2,664 | £25,614 | 31.7% |
| Yr 5 | £15,873 | £286,920 | £10,983 | £5,790 | £45,210 | 56.0% |
| Yr 10 | £17,958 | £332,619 | £12,485 | £18,731 | £103,850 | 128.5% |
| Yr 15 | £20,318 | £385,597 | £14,184 | £39,763 | £177,860 | 220.1% |
| Yr 20 | £22,988 | £447,013 | £16,106 | £69,950 | £269,462 | 333.5% |
| Yr 25 | £26,009 | £518,210 | £18,281 | £110,493 | £381,203 | 471.8% |
| Yr 30 | £29,427 | £600,747 | £20,742 | £162,756 | £516,003 | 638.6% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — South West England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 800 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 4.9% | 3.0% | £-380 | -12.5% |
| Conservative | £1,115 | 5.4% | 3.6% | £-107 | -1.3% |
| Base | £1,199 | 5.8% | 4.0% | £53 | 3.5% |
| Optimistic | £1,295 | 6.3% | 4.5% | £225 | 8.9% |
| Bull | £1,415 | 6.9% | 5.0% | £419 | 15.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.81% |
| Net Yield | ●4.01% |
| Net Annual Income | £9,914 |
| Deductions: void 8% (−£1,150) · mgmt 10% (−£1,438) · maint 10% (−£1,438) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £772 |
| Monthly Cashflow (IO) | ●£54 |
| Cash-on-Cash Return | ●0.78% |
| 5-Year IRR | ●3.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,825 |
| SDLT Effective Rate | 5.99% |
| SDLT (Company) | £14,825 |
| Section 24 Extra Tax/yr (higher rate) | £1,856 |
| SPV Annual Saving | £2,590 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £286,920 |
| Less: Purchase Price | −£247,500 |
| Less: Buying Costs (SDLT + legal) | −£17,425 |
| Less: Selling Costs (est. 2.5%) | −£7,173 |
| = CGT Net Gain (5yr) | £14,822 |
| CGT at 24% | £2,837 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 4.9% | 3.0% | £-380 | -12.5% |
| Conservative | £1,115 | 5.4% | 3.6% | £-107 | -1.3% |
| Base | £1,199 | 5.8% | 4.0% | £53 | 3.5% |
| Optimistic | £1,295 | 6.3% | 4.5% | £225 | 8.9% |
| Bull | £1,415 | 6.9% | 5.0% | £419 | 15.8% |
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