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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £108,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 3/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £7,550 |
| Bathroom | £5,550 |
| Living Room | £3,300 |
| Master Bedroom | £1,900 |
| Bedroom 2 | £1,900 |
| Bedroom 3 | £1,900 |
| Bedroom 4 | £1,900 |
| Entrance Hall | £750 |
| Total Estimated Refurb | £22,500 |
⚠ 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
- £140,000
- 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 | £13,132 | £144,200 | £9,010 | £3,760 | £7,960 | 17.2% |
| Yr 3 | £13,797 | £152,982 | £9,489 | £11,995 | £24,977 | 53.8% |
| Yr 5 | £14,495 | £162,298 | £9,992 | £21,224 | £43,522 | 93.8% |
| Yr 10 | £16,400 | £188,148 | £11,363 | £48,978 | £97,127 | 209.3% |
| Yr 15 | £18,555 | £218,115 | £12,915 | £84,122 | £162,238 | 349.6% |
| Yr 20 | £20,993 | £252,856 | £14,670 | £127,626 | £240,481 | 518.3% |
| Yr 25 | £23,752 | £293,129 | £16,657 | £180,588 | £333,717 | 719.2% |
| Yr 30 | £26,873 | £339,817 | £18,904 | £244,252 | £444,069 | 957.0% |
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
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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 | 8.0% | 4.9% | £-1 | -3.8% |
| Conservative | £1,017 | 8.7% | 5.8% | £194 | 6.0% |
| Base | £1,094 | 9.4% | 6.4% | £313 | 10.3% |
| Optimistic | £1,182 | 10.1% | 7.2% | £443 | 15.2% |
| Bull | £1,291 | 11.1% | 8.1% | £594 | 21.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.38% |
| Net Yield | ●6.43% |
| Net Annual Income | £9,007 |
| Deductions: void 8% (−£1,051) · mgmt 10% (−£1,313) · maint 10% (−£1,313) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£314 |
| Cash-on-Cash Return | ●8.1% |
| 5-Year IRR | ●10.3% |
● 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 | £2,212 |
| 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 | £930 | 8.0% | 4.9% | £-1 | -3.8% |
| Conservative | £1,017 | 8.7% | 5.8% | £194 | 6.0% |
| Base | £1,094 | 9.4% | 6.4% | £313 | 10.3% |
| Optimistic | £1,182 | 10.1% | 7.2% | £443 | 15.2% |
| Bull | £1,291 | 11.1% | 8.1% | £594 | 21.4% |
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