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Semi-Detached · 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
AI condition score: 7/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,000 |
| Bathroom | £1,450 |
| Living Room | £850 |
| Hallway / Stairs | £350 |
| Master Bedroom | £650 |
| Bedroom 2 | £650 |
| Bedroom 3 | £650 |
| Total Estimated Refurb | £5,500 |
⚠ 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 | 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
- £245,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £14,382 | £252,350 | £9,910 | £722 | £8,072 | 10.1% |
| Yr 3 | £15,110 | £267,718 | £10,434 | £2,950 | £25,668 | 32.1% |
| Yr 5 | £15,874 | £284,022 | £10,985 | £6,265 | £45,287 | 56.6% |
| Yr 10 | £17,961 | £329,260 | £12,487 | £19,682 | £103,942 | 129.9% |
| Yr 15 | £20,321 | £381,702 | £14,186 | £41,192 | £177,894 | 222.4% |
| Yr 20 | £22,991 | £442,497 | £16,109 | £71,857 | £269,354 | 336.7% |
| Yr 25 | £26,012 | £512,976 | £18,284 | £112,880 | £380,856 | 476.1% |
| Yr 30 | £29,430 | £594,679 | £20,745 | £165,623 | £515,303 | 644.1% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 5.0% | 3.1% | £-370 | -12.4% |
| Conservative | £1,115 | 5.5% | 3.6% | £-99 | -1.2% |
| Base | £1,199 | 5.9% | 4.0% | £61 | 3.6% |
| Optimistic | £1,295 | 6.3% | 4.5% | £232 | 9.0% |
| Bull | £1,415 | 6.9% | 5.1% | £426 | 15.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.87% |
| Net Yield | ●4.05% |
| Net Annual Income | £9,914 |
| Deductions: void 8% (−£1,151) · mgmt 10% (−£1,438) · maint 10% (−£1,438) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£62 |
| Cash-on-Cash Return | ●0.91% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,838 |
| SPV Annual Saving | £2,585 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 5.0% | 3.1% | £-370 | -12.4% |
| Conservative | £1,115 | 5.5% | 3.6% | £-99 | -1.2% |
| Base | £1,199 | 5.9% | 4.0% | £61 | 3.6% |
| Optimistic | £1,295 | 6.3% | 4.5% | £232 | 9.0% |
| Bull | £1,415 | 6.9% | 5.1% | £426 | 15.8% |
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