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House of Multiple Occupation · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 27% above the area median. Offers anchored to area median of £110,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Building Contractor in Hull, House Extensions in Hull | 01482 714 371 | — |
| decorator | Painting and decorating from Mike Walker Painter & Decorator in Hull | 07792 262 861 | — |
| photographer | Darryl Brooks Photography | 07762 484541 | — |
Property Details
- Asking Price
- £140,000
- Property Type
- House of Multiple Occupation
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 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 | £11,536 | £144,200 | £7,861 | £2,611 | £6,811 | 14.7% |
| Yr 3 | £12,120 | £152,982 | £8,281 | £8,461 | £21,443 | 46.2% |
| Yr 5 | £12,734 | £162,298 | £8,723 | £15,184 | £37,482 | 80.8% |
| Yr 10 | £14,407 | £188,148 | £9,928 | £36,104 | £84,253 | 181.6% |
| Yr 15 | £16,300 | £218,115 | £11,291 | £63,516 | £141,632 | 305.2% |
| Yr 20 | £18,442 | £252,856 | £12,833 | £98,272 | £211,127 | 455.0% |
| Yr 25 | £20,865 | £293,129 | £14,578 | £141,337 | £294,466 | 634.6% |
| Yr 30 | £23,607 | £339,817 | £16,552 | £193,802 | £393,619 | 848.3% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £817 | 7.0% | 4.2% | £-75 | -6.8% |
| Conservative | £894 | 7.7% | 5.0% | £107 | 3.5% |
| Base | £961 | 8.2% | 5.6% | £217 | 7.9% |
| Optimistic | £1,038 | 8.9% | 6.3% | £337 | 13.0% |
| Bull | £1,134 | 9.7% | 7.1% | £475 | 19.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.24% |
| Net Yield | ●5.61% |
| Net Annual Income | £7,858 |
| Deductions: void 8% (−£923) · mgmt 10% (−£1,154) · maint 10% (−£1,154) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£218 |
| Cash-on-Cash Return | ●5.62% |
| 5-Year IRR | ●7.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £1,988 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £817 | 7.0% | 4.2% | £-75 | -6.8% |
| Conservative | £894 | 7.7% | 5.0% | £107 | 3.5% |
| Base | £961 | 8.2% | 5.6% | £217 | 7.9% |
| Optimistic | £1,038 | 8.9% | 6.3% | £337 | 13.0% |
| Bull | £1,134 | 9.7% | 7.1% | £475 | 19.4% |
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