🔒 Sign in to view the address — Northampton
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 10% below the area median — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| Total Estimated Refurb | £4,750 |
⚠ 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 | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £250,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 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 | £19,950 | £257,500 | £13,919 | £4,544 | £12,044 | 14.8% |
| Yr 3 | £20,960 | £273,182 | £14,646 | £14,718 | £37,900 | 46.4% |
| Yr 5 | £22,021 | £289,819 | £15,410 | £26,402 | £66,220 | 81.2% |
| Yr 10 | £24,915 | £335,979 | £17,494 | £62,725 | £148,704 | 182.2% |
| Yr 15 | £28,189 | £389,492 | £19,851 | £110,274 | £249,766 | 306.1% |
| Yr 20 | £31,893 | £451,528 | £22,518 | £170,523 | £372,051 | 455.9% |
| Yr 25 | £36,084 | £523,444 | £25,536 | £245,142 | £518,587 | 635.5% |
| Yr 30 | £40,826 | £606,816 | £28,950 | £336,018 | £692,834 | 849.1% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 6.8% | 4.2% | £-134 | -6.7% |
| Conservative | £1,546 | 7.4% | 5.0% | £186 | 3.6% |
| Base | £1,662 | 8.0% | 5.6% | £378 | 8.0% |
| Optimistic | £1,795 | 8.6% | 6.2% | £588 | 13.1% |
| Bull | £1,961 | 9.4% | 7.0% | £828 | 19.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.98% |
| Net Yield | ●5.57% |
| Net Annual Income | £13,915 |
| Deductions: void 8% (−£1,596) · mgmt 10% (−£1,995) · maint 10% (−£1,995) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£380 |
| Cash-on-Cash Return | ●5.56% |
| 5-Year IRR | ●8.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £3,372 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 6.8% | 4.2% | £-134 | -6.7% |
| Conservative | £1,546 | 7.4% | 5.0% | £186 | 3.6% |
| Base | £1,662 | 8.0% | 5.6% | £378 | 8.0% |
| Optimistic | £1,795 | 8.6% | 6.2% | £588 | 13.1% |
| Bull | £1,961 | 9.4% | 7.0% | £828 | 19.6% |
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