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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 86% 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: 7/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £1,700 |
| 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
- £28,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 800–900 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 | £6,479 | £28,840 | £4,220 | £3,170 | £4,010 | 32.1% |
| Yr 3 | £6,807 | £30,596 | £4,456 | £9,863 | £12,459 | 99.7% |
| Yr 5 | £7,152 | £32,460 | £4,704 | £17,046 | £21,506 | 172.0% |
| Yr 10 | £8,092 | £37,630 | £5,381 | £37,314 | £46,944 | 375.5% |
| Yr 15 | £9,155 | £43,623 | £6,147 | £61,228 | £76,851 | 614.8% |
| Yr 20 | £10,358 | £50,571 | £7,013 | £89,266 | £111,838 | 894.7% |
| Yr 25 | £11,719 | £58,626 | £7,993 | £121,972 | £152,598 | 1220.8% |
| Yr 30 | £13,259 | £67,963 | £9,102 | £159,957 | £199,921 | 1599.4% |
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 | £459 | 19.7% | 11.2% | £148 | 14.6% |
| Conservative | £502 | 21.5% | 13.5% | £218 | 21.0% |
| Base | £540 | 23.1% | 15.1% | £264 | 24.0% |
| Optimistic | £583 | 25.0% | 16.9% | £316 | 27.2% |
| Bull | £637 | 27.3% | 19.2% | £377 | 31.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●23.14% |
| Net Yield | ●15.07% |
| Net Annual Income | £4,221 |
| Deductions: void 8% (−£518) · mgmt 10% (−£648) · maint 10% (−£648) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £87 |
| Monthly Cashflow (IO) | ●£265 |
| Cash-on-Cash Return | ●25.37% |
| 5-Year IRR | ●24.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £1,400 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £1,400 |
| Section 24 Extra Tax/yr (higher rate) | £210 |
| SPV Annual Saving | £1,071 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £32,460 |
| Less: Purchase Price | −£28,000 |
| Less: Buying Costs (SDLT + legal) | −£4,000 |
| Less: Selling Costs (est. 2.5%) | −£811 |
| = CGT Net Gain (5yr) | £-351 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £459 | 19.7% | 11.2% | £148 | 14.6% |
| Conservative | £502 | 21.5% | 13.5% | £218 | 21.0% |
| Base | £540 | 23.1% | 15.1% | £264 | 24.0% |
| Optimistic | £583 | 25.0% | 16.9% | £316 | 27.2% |
| Bull | £637 | 27.3% | 19.2% | £377 | 31.5% |
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