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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 15% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Total Estimated Refurb | £4,500 |
⚠ 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 | Lynch Renovation and Construction | 07304 063002 | — |
| decorator | Decorators in Leeds With Excellent Reviews | Free Quote ... | 0113 808 1192 | — |
Property Details
- Asking Price
- £190,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £10,792 | £195,700 | £7,325 | £200 | £5,900 | 9.5% |
| Yr 3 | £11,338 | £207,618 | £7,719 | £1,188 | £18,806 | 30.1% |
| Yr 5 | £11,912 | £220,262 | £8,132 | £2,993 | £33,255 | 53.3% |
| Yr 10 | £13,478 | £255,344 | £9,259 | £11,353 | £76,697 | 122.9% |
| Yr 15 | £15,249 | £296,014 | £10,534 | £25,785 | £131,799 | 211.2% |
| Yr 20 | £17,253 | £343,161 | £11,977 | £47,088 | £200,249 | 320.9% |
| Yr 25 | £19,520 | £397,818 | £13,609 | £76,164 | £283,982 | 455.1% |
| Yr 30 | £22,085 | £461,180 | £15,456 | £114,035 | £385,214 | 617.3% |
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 | £765 | 4.8% | 2.9% | £-312 | -13.2% |
| Conservative | £837 | 5.3% | 3.5% | £-104 | -1.8% |
| Base | £900 | 5.7% | 3.9% | £17 | 3.0% |
| Optimistic | £972 | 6.1% | 4.3% | £148 | 8.4% |
| Bull | £1,062 | 6.7% | 4.9% | £295 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.68% |
| Net Yield | ●3.86% |
| Net Annual Income | £7,331 |
| Deductions: void 8% (−£863) · mgmt 10% (−£1,079) · maint 10% (−£1,079) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£18 |
| Cash-on-Cash Return | ●0.33% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £1,979 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £765 | 4.8% | 2.9% | £-312 | -13.2% |
| Conservative | £837 | 5.3% | 3.5% | £-104 | -1.8% |
| Base | £900 | 5.7% | 3.9% | £17 | 3.0% |
| Optimistic | £972 | 6.1% | 4.3% | £148 | 8.4% |
| Bull | £1,062 | 6.7% | 4.9% | £295 | 15.3% |
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