🔒 Sign in to view the address — Hull
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 37% 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 | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| 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 | 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
- £90,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £8,676 | £92,700 | £5,802 | £2,427 | £5,127 | 16.5% |
| Yr 3 | £9,115 | £98,345 | £6,118 | £7,753 | £16,098 | 51.8% |
| Yr 5 | £9,577 | £104,335 | £6,450 | £13,735 | £28,069 | 90.3% |
| Yr 10 | £10,835 | £120,952 | £7,356 | £31,784 | £62,737 | 201.7% |
| Yr 15 | £12,259 | £140,217 | £8,381 | £54,716 | £104,933 | 337.4% |
| Yr 20 | £13,870 | £162,550 | £9,541 | £83,170 | £155,720 | 500.7% |
| Yr 25 | £15,693 | £188,440 | £10,854 | £117,874 | £216,314 | 695.5% |
| Yr 30 | £17,755 | £218,454 | £12,338 | £159,648 | £288,102 | 926.4% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 8.2% | 4.8% | £-3 | -4.6% |
| Conservative | £672 | 9.0% | 5.8% | £124 | 5.2% |
| Base | £723 | 9.6% | 6.4% | £202 | 9.4% |
| Optimistic | £781 | 10.4% | 7.2% | £288 | 14.2% |
| Bull | £853 | 11.4% | 8.2% | £386 | 20.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.64% |
| Net Yield | ●6.45% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£868) · maint 10% (−£868) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£202 |
| Cash-on-Cash Return | ●7.8% |
| 5-Year IRR | ●9.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,494 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 8.2% | 4.8% | £-3 | -4.6% |
| Conservative | £672 | 9.0% | 5.8% | £124 | 5.2% |
| Base | £723 | 9.6% | 6.4% | £202 | 9.4% |
| Optimistic | £781 | 10.4% | 7.2% | £288 | 14.2% |
| Bull | £853 | 11.4% | 8.2% | £386 | 20.4% |
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