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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £98,000. 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £105,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £7,970 | £108,150 | £5,293 | £1,356 | £4,506 | 12.7% |
| Yr 3 | £8,373 | £114,736 | £5,584 | £4,501 | £14,237 | 40.0% |
| Yr 5 | £8,797 | £121,724 | £5,889 | £8,249 | £24,972 | 70.1% |
| Yr 10 | £9,953 | £141,111 | £6,721 | £20,460 | £56,572 | 158.9% |
| Yr 15 | £11,261 | £163,587 | £7,663 | £37,157 | £95,743 | 268.9% |
| Yr 20 | £12,740 | £189,642 | £8,728 | £58,926 | £143,568 | 403.3% |
| Yr 25 | £14,415 | £219,847 | £9,934 | £86,436 | £201,283 | 565.4% |
| Yr 30 | £16,309 | £254,863 | £11,297 | £120,440 | £270,303 | 759.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 6.5% | 3.8% | £-97 | -9.3% |
| Conservative | £618 | 7.1% | 4.5% | £34 | 1.4% |
| Base | £664 | 7.6% | 5.0% | £113 | 5.8% |
| Optimistic | £717 | 8.2% | 5.6% | £198 | 11.0% |
| Bull | £784 | 9.0% | 6.4% | £296 | 17.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.59% |
| Net Yield | ●5.04% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£638) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£114 |
| Cash-on-Cash Return | ●3.8% |
| 5-Year IRR | ●5.8% |
● 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 | £1,423 |
| 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 | £564 | 6.5% | 3.8% | £-97 | -9.3% |
| Conservative | £618 | 7.1% | 4.5% | £34 | 1.4% |
| Base | £664 | 7.6% | 5.0% | £113 | 5.8% |
| Optimistic | £717 | 8.2% | 5.6% | £198 | 11.0% |
| Bull | £784 | 9.0% | 6.4% | £296 | 17.5% |
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