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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 22% above the area median. Offers anchored to area median of £293,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £150 |
| Bedroom 2 | £150 |
| Bedroom 3 | £150 |
| Bedroom 4 | £150 |
| Total Estimated Refurb | £1,800 |
⚠ 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 | Builder in York | High Spec Extensions & Alterations | 01904 593544 | — |
| decorator | Painter & Decorators York - York Decorator | 01904 626920 | — |
| photographer | Sarah Burton Photography | 07822 010126 | — |
Property Details
- Asking Price
- £360,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £20,592 | £370,800 | £14,381 | £881 | £11,681 | 9.7% |
| Yr 3 | £21,634 | £393,382 | £15,132 | £3,765 | £37,147 | 30.9% |
| Yr 5 | £22,730 | £417,339 | £15,920 | £8,207 | £65,545 | 54.6% |
| Yr 10 | £25,717 | £483,810 | £18,071 | £26,654 | £150,464 | 125.3% |
| Yr 15 | £29,096 | £560,868 | £20,504 | £56,688 | £257,556 | 214.5% |
| Yr 20 | £32,919 | £650,200 | £23,257 | £99,831 | £390,031 | 324.8% |
| Yr 25 | £37,245 | £753,760 | £26,372 | £157,806 | £551,566 | 459.3% |
| Yr 30 | £42,140 | £873,814 | £29,896 | £232,562 | £746,377 | 621.5% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,458 | 4.9% | 3.0% | £-552 | -12.9% |
| Conservative | £1,595 | 5.3% | 3.6% | £-158 | -1.8% |
| Base | £1,715 | 5.7% | 4.0% | £73 | 3.0% |
| Optimistic | £1,852 | 6.2% | 4.4% | £321 | 8.4% |
| Bull | £2,024 | 6.7% | 5.0% | £601 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.72% |
| Net Yield | ●3.99% |
| Net Annual Income | £14,373 |
| Deductions: void 8% (−£1,647) · mgmt 10% (−£2,059) · maint 10% (−£2,059) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,123 |
| Monthly Cashflow (IO) | ●£75 |
| Cash-on-Cash Return | ●0.73% |
| 5-Year IRR | ●3.0% |
● 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 | £3,668 |
| 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 | £1,458 | 4.9% | 3.0% | £-552 | -12.9% |
| Conservative | £1,595 | 5.3% | 3.6% | £-158 | -1.8% |
| Base | £1,715 | 5.7% | 4.0% | £73 | 3.0% |
| Optimistic | £1,852 | 6.2% | 4.4% | £321 | 8.4% |
| Bull | £2,024 | 6.7% | 5.0% | £601 | 15.2% |
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