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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 89% above the area median. Offers anchored to area median of £84,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Master Bedroom | £150 |
| Bedroom 2 | £150 |
| Bedroom 3 | £150 |
| Bedroom 4 | £150 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,800 |
⚠ 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £160,000
- Property Type
- End of Terrace
- 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 | £13,136 | £164,800 | £9,013 | £3,013 | £7,813 | 14.8% |
| Yr 3 | £13,801 | £174,836 | £9,492 | £9,754 | £24,590 | 46.6% |
| Yr 5 | £14,500 | £185,484 | £9,995 | £17,489 | £42,973 | 81.4% |
| Yr 10 | £16,405 | £215,027 | £11,367 | £41,511 | £96,537 | 182.8% |
| Yr 15 | £18,561 | £249,275 | £12,919 | £72,924 | £162,199 | 307.2% |
| Yr 20 | £21,000 | £288,978 | £14,675 | £112,699 | £241,677 | 457.7% |
| Yr 25 | £23,759 | £335,004 | £16,662 | £161,936 | £336,941 | 638.1% |
| Yr 30 | £26,882 | £388,362 | £18,910 | £221,878 | £450,240 | 852.7% |
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 | £930 | 7.0% | 4.3% | £-83 | -6.6% |
| Conservative | £1,017 | 7.6% | 5.1% | £125 | 3.6% |
| Base | £1,094 | 8.2% | 5.6% | £251 | 8.0% |
| Optimistic | £1,182 | 8.9% | 6.3% | £387 | 13.1% |
| Bull | £1,291 | 9.7% | 7.1% | £544 | 19.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.21% |
| Net Yield | ●5.63% |
| Net Annual Income | £9,007 |
| Deductions: void 8% (−£1,051) · mgmt 10% (−£1,314) · maint 10% (−£1,314) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£252 |
| Cash-on-Cash Return | ●5.7% |
| 5-Year IRR | ●8.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £2,249 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £930 | 7.0% | 4.3% | £-83 | -6.6% |
| Conservative | £1,017 | 7.6% | 5.1% | £125 | 3.6% |
| Base | £1,094 | 8.2% | 5.6% | £251 | 8.0% |
| Optimistic | £1,182 | 8.9% | 6.3% | £387 | 13.1% |
| Bull | £1,291 | 9.7% | 7.1% | £544 | 19.5% |
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