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Flat · 2 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 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Entrance Hall | £200 |
| 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
- £125,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £10,800 | £128,750 | £7,331 | £2,644 | £6,394 | 15.4% |
| Yr 3 | £11,347 | £136,591 | £7,725 | £8,519 | £20,109 | 48.3% |
| Yr 5 | £11,921 | £144,909 | £8,138 | £15,211 | £35,120 | 84.4% |
| Yr 10 | £13,488 | £167,990 | £9,266 | £35,792 | £78,782 | 189.4% |
| Yr 15 | £15,260 | £194,746 | £10,542 | £62,451 | £132,197 | 317.8% |
| Yr 20 | £17,265 | £225,764 | £11,986 | £95,985 | £196,749 | 473.0% |
| Yr 25 | £19,534 | £261,722 | £13,620 | £137,298 | £274,021 | 658.7% |
| Yr 30 | £22,101 | £303,408 | £15,468 | £187,412 | £365,820 | 879.4% |
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?
📄 Lease Information
Estimated remaining lease: 231 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £765 | 7.3% | 4.4% | £-48 | -5.9% |
| Conservative | £837 | 8.0% | 5.3% | £119 | 4.2% |
| Base | £900 | 8.6% | 5.9% | £220 | 8.6% |
| Optimistic | £972 | 9.3% | 6.5% | £331 | 13.6% |
| Bull | £1,062 | 10.2% | 7.4% | £458 | 19.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.64% |
| Net Yield | ●5.86% |
| Net Annual Income | £7,331 |
| Deductions: void 8% (−£864) · mgmt 10% (−£1,080) · maint 10% (−£1,080) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£221 |
| Cash-on-Cash Return | ●6.35% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £1,857 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £765 | 7.3% | 4.4% | £-48 | -5.9% |
| Conservative | £837 | 8.0% | 5.3% | £119 | 4.2% |
| Base | £900 | 8.6% | 5.9% | £220 | 8.6% |
| Optimistic | £972 | 9.3% | 6.5% | £331 | 13.6% |
| Bull | £1,062 | 10.2% | 7.4% | £458 | 19.9% |
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