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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 70% above the area median. Offers anchored to area median of £53,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £90,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £7,965 | £92,700 | £5,290 | £1,915 | £4,615 | 14.8% |
| Yr 3 | £8,368 | £98,345 | £5,580 | £6,178 | £14,524 | 46.7% |
| Yr 5 | £8,792 | £104,335 | £5,885 | £11,044 | £25,379 | 81.6% |
| Yr 10 | £9,947 | £120,952 | £6,717 | £26,049 | £57,002 | 183.3% |
| Yr 15 | £11,254 | £140,217 | £7,658 | £45,536 | £95,753 | 307.9% |
| Yr 20 | £12,733 | £162,550 | £8,723 | £70,094 | £142,644 | 458.7% |
| Yr 25 | £14,407 | £188,440 | £9,928 | £100,388 | £198,828 | 639.3% |
| Yr 30 | £16,300 | £218,454 | £11,291 | £137,173 | £265,627 | 854.1% |
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?
📄 Lease Information
Estimated remaining lease: 130 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 7.5% | 4.4% | £-36 | -6.6% |
| Conservative | £618 | 8.2% | 5.3% | £86 | 3.5% |
| Base | £664 | 8.9% | 5.9% | £160 | 7.8% |
| Optimistic | £717 | 9.6% | 6.6% | £240 | 12.7% |
| Bull | £784 | 10.4% | 7.4% | £333 | 19.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.85% |
| Net Yield | ●5.88% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£796) · maint 10% (−£796) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£160 |
| Cash-on-Cash Return | ●6.16% |
| 5-Year IRR | ●7.8% |
● 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 | £1,396 |
| 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 | £564 | 7.5% | 4.4% | £-36 | -6.6% |
| Conservative | £618 | 8.2% | 5.3% | £86 | 3.5% |
| Base | £664 | 8.9% | 5.9% | £160 | 7.8% |
| Optimistic | £717 | 9.6% | 6.6% | £240 | 12.7% |
| Bull | £784 | 10.4% | 7.4% | £333 | 19.0% |
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