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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 33% above the area median. Offers anchored to area median of £244,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £850 |
| Bathroom | £650 |
| Living Room | £350 |
| Hallway / Stairs | £150 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Bedroom 4 | £200 |
| Total Estimated Refurb | £2,300 |
⚠ 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 | GMF Builders | Building and Landscape Maintenance Service ... | 07905 057145 | — |
| photographer | Peterborough wedding and family photographer | Boudoir ... | 04349397800 | — |
Property Details
- Asking Price
- £325,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £18,038 | £334,750 | £12,542 | £354 | £10,104 | 9.4% |
| Yr 3 | £18,951 | £355,136 | £13,199 | £2,046 | £32,182 | 29.8% |
| Yr 5 | £19,910 | £376,764 | £13,890 | £5,101 | £56,866 | 52.7% |
| Yr 10 | £22,526 | £436,773 | £15,774 | £19,173 | £130,946 | 121.4% |
| Yr 15 | £25,487 | £506,339 | £17,905 | £43,394 | £224,734 | 208.4% |
| Yr 20 | £28,836 | £586,986 | £20,317 | £79,098 | £341,085 | 316.3% |
| Yr 25 | £32,625 | £680,478 | £23,045 | £127,794 | £483,272 | 448.1% |
| Yr 30 | £36,912 | £788,860 | £26,132 | £191,189 | £655,050 | 607.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,278 | 4.7% | 2.9% | £-526 | -13.3% |
| Conservative | £1,399 | 5.2% | 3.5% | £-175 | -2.1% |
| Base | £1,504 | 5.6% | 3.9% | £30 | 2.7% |
| Optimistic | £1,624 | 6.0% | 4.3% | £251 | 8.1% |
| Bull | £1,775 | 6.6% | 4.8% | £499 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.55% |
| Net Yield | ●3.86% |
| Net Annual Income | £12,550 |
| Deductions: void 8% (−£1,443) · mgmt 10% (−£1,804) · maint 10% (−£1,804) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,014 |
| Monthly Cashflow (IO) | ●£32 |
| Cash-on-Cash Return | ●0.34% |
| 5-Year IRR | ●2.7% |
● 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 | £3,247 |
| 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 | £1,278 | 4.7% | 2.9% | £-526 | -13.3% |
| Conservative | £1,399 | 5.2% | 3.5% | £-175 | -2.1% |
| Base | £1,504 | 5.6% | 3.9% | £30 | 2.7% |
| Optimistic | £1,624 | 6.0% | 4.3% | £251 | 8.1% |
| Bull | £1,775 | 6.6% | 4.8% | £499 | 15.0% |
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