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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 8% above the area median. Offers anchored to area median of £39,000. 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
- £42,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- 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 | £7,967 | £43,260 | £5,292 | £3,717 | £4,977 | 29.8% |
| Yr 3 | £8,371 | £45,895 | £5,582 | £11,583 | £15,478 | 92.7% |
| Yr 5 | £8,795 | £48,690 | £5,887 | £20,053 | £26,743 | 160.1% |
| Yr 10 | £9,950 | £56,444 | £6,719 | £44,069 | £58,513 | 350.4% |
| Yr 15 | £11,258 | £65,435 | £7,661 | £72,567 | £96,002 | 574.9% |
| Yr 20 | £12,737 | £75,857 | £8,726 | £106,138 | £139,994 | 838.3% |
| Yr 25 | £14,411 | £87,939 | £9,931 | £145,447 | £191,386 | 1146.0% |
| Yr 30 | £16,305 | £101,945 | £11,294 | £191,249 | £251,194 | 1504.2% |
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 | 16.1% | 9.4% | £159 | 11.6% |
| Conservative | £618 | 17.6% | 11.3% | £251 | 18.8% |
| Base | £664 | 19.0% | 12.6% | £310 | 22.0% |
| Optimistic | £717 | 20.5% | 14.1% | £375 | 25.6% |
| Bull | £784 | 22.4% | 16.0% | £453 | 30.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●18.97% |
| Net Yield | ●12.6% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £131 |
| Monthly Cashflow (IO) | ●£310 |
| Cash-on-Cash Return | ●22.26% |
| 5-Year IRR | ●22.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,100 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,100 |
| Section 24 Extra Tax/yr (higher rate) | £315 |
| SPV Annual Saving | £1,306 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £48,690 |
| Less: Purchase Price | −£42,000 |
| Less: Buying Costs (SDLT + legal) | −£4,700 |
| Less: Selling Costs (est. 2.5%) | −£1,217 |
| = CGT Net Gain (5yr) | £773 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 16.1% | 9.4% | £159 | 11.6% |
| Conservative | £618 | 17.6% | 11.3% | £251 | 18.8% |
| Base | £664 | 19.0% | 12.6% | £310 | 22.0% |
| Optimistic | £717 | 20.5% | 14.1% | £375 | 25.6% |
| Bull | £784 | 22.4% | 16.0% | £453 | 30.4% |
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