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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 13% above the area median. Offers anchored to area median of £285,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,750 |
| Bathroom | £1,250 |
| Living Room | £800 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| Entrance Hall | £200 |
| Total Estimated Refurb | £4,750 |
⚠ 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 | Builders in Leicester | Renovations, New Homes, Construction | 07795 322 737 | — |
| decorator | Painters and Decorators Leicester | Commercial & Domestic | 0116 4785346 | — |
| photographer | ZigZag Photography Leicester | 0116 2700995 | — |
Property Details
- Asking Price
- £325,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £17,582 | £334,750 | £12,214 | £27 | £9,777 | 9.1% |
| Yr 3 | £18,473 | £355,136 | £12,855 | £1,038 | £31,174 | 28.9% |
| Yr 5 | £19,408 | £376,764 | £13,529 | £3,379 | £55,144 | 51.1% |
| Yr 10 | £21,958 | £436,773 | £15,365 | £15,503 | £127,276 | 118.0% |
| Yr 15 | £24,844 | £506,339 | £17,442 | £37,520 | £218,859 | 202.9% |
| Yr 20 | £28,108 | £586,986 | £19,793 | £70,730 | £332,716 | 308.5% |
| Yr 25 | £31,802 | £680,478 | £22,452 | £116,604 | £472,082 | 437.7% |
| Yr 30 | £35,981 | £788,860 | £25,461 | £176,807 | £640,667 | 594.0% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,244 | 4.6% | 2.8% | £-549 | -13.7% |
| Conservative | £1,362 | 5.0% | 3.4% | £-201 | -2.4% |
| Base | £1,464 | 5.4% | 3.8% | £1 | 2.4% |
| Optimistic | £1,581 | 5.8% | 4.2% | £219 | 7.9% |
| Bull | £1,728 | 6.4% | 4.7% | £463 | 14.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.41% |
| Net Yield | ●3.76% |
| Net Annual Income | £12,204 |
| Deductions: void 8% (−£1,407) · mgmt 10% (−£1,758) · maint 10% (−£1,758) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,014 |
| Monthly Cashflow (IO) | ●£3 |
| Cash-on-Cash Return | ●0.02% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,500 |
| SDLT Effective Rate | 6.92% |
| SDLT (Company) | £22,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,438 |
| SPV Annual Saving | £3,180 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £376,764 |
| Less: Purchase Price | −£325,000 |
| Less: Buying Costs (SDLT + legal) | −£25,100 |
| Less: Selling Costs (est. 2.5%) | −£9,419 |
| = CGT Net Gain (5yr) | £17,245 |
| CGT at 24% | £3,419 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,244 | 4.6% | 2.8% | £-549 | -13.7% |
| Conservative | £1,362 | 5.0% | 3.4% | £-201 | -2.4% |
| Base | £1,464 | 5.4% | 3.8% | £1 | 2.4% |
| Optimistic | £1,581 | 5.8% | 4.2% | £219 | 7.9% |
| Bull | £1,728 | 6.4% | 4.7% | £463 | 14.7% |
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