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House · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 54% above the area median. Offers anchored to area median of £233,000. 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 | £1,000 |
| Bedroom 2 | £1,000 |
| Bedroom 3 | £1,000 |
| Bedroom 4 | £1,000 |
| 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
- £360,000
- Property Type
- House
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £19,656 | £370,800 | £13,707 | £207 | £11,007 | 9.2% |
| Yr 3 | £20,651 | £393,382 | £14,424 | £1,692 | £35,074 | 29.2% |
| Yr 5 | £21,697 | £417,339 | £15,177 | £4,664 | £62,003 | 51.6% |
| Yr 10 | £24,548 | £483,810 | £17,229 | £19,104 | £142,914 | 119.0% |
| Yr 15 | £27,773 | £560,868 | £19,552 | £44,603 | £245,472 | 204.4% |
| Yr 20 | £31,423 | £650,200 | £22,180 | £82,616 | £372,816 | 310.4% |
| Yr 25 | £35,552 | £753,760 | £25,153 | £134,787 | £528,547 | 440.1% |
| Yr 30 | £40,224 | £873,814 | £28,516 | £202,975 | £716,790 | 596.8% |
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 | £1,393 | 4.6% | 2.9% | £-594 | -13.6% |
| Conservative | £1,524 | 5.1% | 3.4% | £-208 | -2.4% |
| Base | £1,639 | 5.5% | 3.8% | £18 | 2.4% |
| Optimistic | £1,770 | 5.9% | 4.2% | £260 | 7.9% |
| Bull | £1,934 | 6.4% | 4.8% | £533 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.46% |
| Net Yield | ●3.81% |
| Net Annual Income | £13,716 |
| Deductions: void 8% (−£1,572) · mgmt 10% (−£1,966) · maint 10% (−£1,966) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,123 |
| Monthly Cashflow (IO) | ●£20 |
| Cash-on-Cash Return | ●0.18% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £26,000 |
| SDLT Effective Rate | 7.22% |
| SDLT (Company) | £26,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,700 |
| SPV Annual Saving | £3,540 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £417,339 |
| Less: Purchase Price | −£360,000 |
| Less: Buying Costs (SDLT + legal) | −£28,600 |
| Less: Selling Costs (est. 2.5%) | −£10,433 |
| = CGT Net Gain (5yr) | £18,306 |
| CGT at 24% | £3,673 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,393 | 4.6% | 2.9% | £-594 | -13.6% |
| Conservative | £1,524 | 5.1% | 3.4% | £-208 | -2.4% |
| Base | £1,639 | 5.5% | 3.8% | £18 | 2.4% |
| Optimistic | £1,770 | 5.9% | 4.2% | £260 | 7.9% |
| Bull | £1,934 | 6.4% | 4.8% | £533 | 14.7% |
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