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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 16% above the area median. Offers anchored to area median of £137,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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 | 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
- Semi-Detached
- Bedrooms
- 3
- 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 | £9,520 | £164,800 | £6,409 | £409 | £5,209 | 9.9% |
| Yr 3 | £10,002 | £174,836 | £6,756 | £1,747 | £16,583 | 31.4% |
| Yr 5 | £10,508 | £185,484 | £7,121 | £3,804 | £29,288 | 55.5% |
| Yr 10 | £11,889 | £215,027 | £8,115 | £12,342 | £67,369 | 127.6% |
| Yr 15 | £13,452 | £249,275 | £9,240 | £26,238 | £115,512 | 218.8% |
| Yr 20 | £15,219 | £288,978 | £10,513 | £46,193 | £175,171 | 331.8% |
| Yr 25 | £17,219 | £335,004 | £11,953 | £73,006 | £248,010 | 469.7% |
| Yr 30 | £19,482 | £388,362 | £13,582 | £107,577 | £335,939 | 636.2% |
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 | £674 | 5.1% | 3.0% | £-249 | -12.7% |
| Conservative | £737 | 5.5% | 3.6% | £-71 | -1.4% |
| Base | £793 | 5.9% | 4.0% | £34 | 3.4% |
| Optimistic | £856 | 6.4% | 4.5% | £147 | 8.8% |
| Bull | £936 | 7.0% | 5.1% | £274 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.95% |
| Net Yield | ●4.0% |
| Net Annual Income | £6,407 |
| Deductions: void 8% (−£762) · mgmt 10% (−£952) · maint 10% (−£952) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£35 |
| Cash-on-Cash Return | ●0.77% |
| 5-Year IRR | ●3.4% |
● 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 | £1,743 |
| 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 | £674 | 5.1% | 3.0% | £-249 | -12.7% |
| Conservative | £737 | 5.5% | 3.6% | £-71 | -1.4% |
| Base | £793 | 5.9% | 4.0% | £34 | 3.4% |
| Optimistic | £856 | 6.4% | 4.5% | £147 | 8.8% |
| Bull | £936 | 7.0% | 5.1% | £274 | 15.5% |
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