🔒 Sign in to view the address — Hull
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 29% 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: 4/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Building Contractor in Hull, House Extensions in Hull | 01482 714 371 | — |
| decorator | Painting and decorating from Mike Walker Painter & Decorator in Hull | 07792 262 861 | — |
| photographer | Darryl Brooks Photography | 07762 484541 | — |
Property Details
- Asking Price
- £105,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 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 | £8,673 | £108,150 | £5,800 | £1,862 | £5,012 | 14.1% |
| Yr 3 | £9,112 | £114,736 | £6,116 | £6,058 | £15,795 | 44.4% |
| Yr 5 | £9,573 | £121,724 | £6,448 | £10,911 | £27,635 | 77.6% |
| Yr 10 | £10,831 | £141,111 | £7,354 | £26,135 | £62,246 | 174.8% |
| Yr 15 | £12,255 | £163,587 | £8,378 | £46,239 | £104,826 | 294.5% |
| Yr 20 | £13,865 | £189,642 | £9,538 | £71,865 | £156,507 | 439.6% |
| Yr 25 | £15,687 | £219,847 | £10,850 | £103,738 | £218,584 | 614.0% |
| Yr 30 | £17,748 | £254,863 | £12,334 | £142,678 | £292,541 | 821.7% |
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 — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 7.0% | 4.1% | £-64 | -7.6% |
| Conservative | £672 | 7.7% | 5.0% | £73 | 2.8% |
| Base | £723 | 8.3% | 5.5% | £155 | 7.2% |
| Optimistic | £781 | 8.9% | 6.2% | £245 | 12.2% |
| Bull | £853 | 9.8% | 7.0% | £349 | 18.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.26% |
| Net Yield | ●5.53% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£867) · maint 10% (−£867) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£156 |
| Cash-on-Cash Return | ●5.24% |
| 5-Year IRR | ●7.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,250 |
| Section 24 Extra Tax/yr (higher rate) | £788 |
| SPV Annual Saving | £1,523 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £121,724 |
| Less: Purchase Price | −£105,000 |
| Less: Buying Costs (SDLT + legal) | −£7,850 |
| Less: Selling Costs (est. 2.5%) | −£3,043 |
| = CGT Net Gain (5yr) | £5,831 |
| CGT at 24% | £679 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 7.0% | 4.1% | £-64 | -7.6% |
| Conservative | £672 | 7.7% | 5.0% | £73 | 2.8% |
| Base | £723 | 8.3% | 5.5% | £155 | 7.2% |
| Optimistic | £781 | 8.9% | 6.2% | £245 | 12.2% |
| Bull | £853 | 9.8% | 7.0% | £349 | 18.6% |
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