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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 39% above the area median. Offers anchored to area median of £226,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,300 |
| Bathroom | £1,700 |
| Living Room | £950 |
| Hallway / Stairs | £350 |
| Master Bedroom | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| Total Estimated Refurb | £6,250 |
⚠ 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £315,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £17,168 | £324,450 | £11,916 | £103 | £9,553 | 9.2% |
| Yr 3 | £18,037 | £344,209 | £12,541 | £1,244 | £30,453 | 29.2% |
| Yr 5 | £18,950 | £365,171 | £13,199 | £3,684 | £53,855 | 51.6% |
| Yr 10 | £21,440 | £423,334 | £14,992 | £15,906 | £124,239 | 119.1% |
| Yr 15 | £24,257 | £490,760 | £17,020 | £37,787 | £213,547 | 204.6% |
| Yr 20 | £27,445 | £568,925 | £19,315 | £70,597 | £324,522 | 311.0% |
| Yr 25 | £31,051 | £659,540 | £21,912 | £115,773 | £460,313 | 441.1% |
| Yr 30 | £35,132 | £764,588 | £24,850 | £174,939 | £624,526 | 598.5% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,216 | 4.6% | 2.9% | £-526 | -13.6% |
| Conservative | £1,331 | 5.1% | 3.4% | £-188 | -2.3% |
| Base | £1,431 | 5.5% | 3.8% | £9 | 2.5% |
| Optimistic | £1,545 | 5.9% | 4.2% | £221 | 8.0% |
| Bull | £1,689 | 6.4% | 4.7% | £459 | 14.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.45% |
| Net Yield | ●3.78% |
| Net Annual Income | £11,919 |
| Deductions: void 8% (−£1,373) · mgmt 10% (−£1,717) · maint 10% (−£1,717) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £982 |
| Monthly Cashflow (IO) | ●£11 |
| Cash-on-Cash Return | ●0.1% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,500 |
| SDLT Effective Rate | 6.83% |
| SDLT (Company) | £21,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,363 |
| SPV Annual Saving | £3,106 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £365,171 |
| Less: Purchase Price | −£315,000 |
| Less: Buying Costs (SDLT + legal) | −£24,100 |
| Less: Selling Costs (est. 2.5%) | −£9,129 |
| = CGT Net Gain (5yr) | £16,942 |
| CGT at 24% | £3,346 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,216 | 4.6% | 2.9% | £-526 | -13.6% |
| Conservative | £1,331 | 5.1% | 3.4% | £-188 | -2.3% |
| Base | £1,431 | 5.5% | 3.8% | £9 | 2.5% |
| Optimistic | £1,545 | 5.9% | 4.2% | £221 | 8.0% |
| Bull | £1,689 | 6.4% | 4.7% | £459 | 14.8% |
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