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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| 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 | 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
- £145,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 2-4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 4 | — | — | — | — |
| Sector sale 2 | Semi | 4 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
| Sector sale 4 | Semi | 2 | — | — | — | — |
| Sector sale 5 | Semi | 4 | — | — | — | — |
| Sector sale 6 | Semi | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £452 |
| ICR (actual) | 1.6x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 114% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £145,000 |
| Deposit (25% — 75% LTV) | £36,250 |
| SDLT (additional property, 5% surcharge) | £7,650 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £46,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £145,000 | Loan (75% LTV) | £108,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £498 |
| Rent needed (1.5×) | £748/mo | Estimated rent | £723/mo |
| Stress ratio | 1.45× (need ≥ 1.5×) £25 shortfall | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £152,000 |
| 75% remortgage | £114,000 |
| Cash left in deal | £35,500 (13% recycled) |
| Est. BTL cashflow | £-5/mo |
| Gross margin | +£7,000 |
| Reno cost (est.) | –£4,500 |
| Buy + sell costs | –£13,530 |
| Net profit | £-11,030 (-27.1% ROI) |
| SA gross/mo | £1,170 |
| SA net/mo | £880 |
| BTL est./mo | £723 |
| SA vs BTL uplift | +£447/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £156,149 | +£11,149 | £41,601 | +£5,351 (3.7%) |
| 5 years | £164,054 | +£19,054 | £47,490 | +£11,240 (7.8%) |
| 7 years | £172,359 | +£27,359 | £53,678 | +£17,428 (12.0%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £8,671 | £149,350 | £5,798 | £361 | £4,711 | 9.8% |
| Yr 3 | £9,110 | £158,445 | £6,114 | £1,554 | £14,999 | 31.2% |
| Yr 5 | £9,571 | £168,095 | £6,446 | £3,403 | £26,498 | 55.2% |
| Yr 10 | £10,829 | £194,868 | £7,352 | £11,119 | £60,987 | 127.1% |
| Yr 15 | £12,252 | £225,905 | £8,376 | £23,714 | £104,619 | 218.0% |
| Yr 20 | £13,862 | £261,886 | £9,536 | £41,828 | £158,714 | 330.7% |
| Yr 25 | £15,683 | £303,598 | £10,847 | £66,189 | £224,786 | 468.3% |
| Yr 30 | £17,744 | £351,953 | £12,331 | £97,615 | £304,568 | 634.5% |
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 | £615 | 5.1% | 3.0% | £-227 | -12.8% |
| Conservative | £672 | 5.6% | 3.6% | £-65 | -1.5% |
| Base | £723 | 6.0% | 4.0% | £30 | 3.3% |
| Optimistic | £781 | 6.5% | 4.5% | £133 | 8.7% |
| Bull | £853 | 7.1% | 5.1% | £249 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.98% |
| Net Yield | ●4.0% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£867) · maint 10% (−£867) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£32 |
| Cash-on-Cash Return | ●0.76% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £1,598 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 5.1% | 3.0% | £-227 | -12.8% |
| Conservative | £672 | 5.6% | 3.6% | £-65 | -1.5% |
| Base | £723 | 6.0% | 4.0% | £30 | 3.3% |
| Optimistic | £781 | 6.5% | 4.5% | £133 | 8.7% |
| Bull | £853 | 7.1% | 5.1% | £249 | 15.5% |
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