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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Total Estimated Refurb | £4,500 |
⚠ 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
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £7,966 | £144,200 | £5,291 | £41 | £4,241 | 9.1% |
| Yr 3 | £8,369 | £152,982 | £5,581 | £555 | £13,537 | 29.2% |
| Yr 5 | £8,793 | £162,298 | £5,886 | £1,673 | £23,971 | 51.7% |
| Yr 10 | £9,948 | £188,148 | £6,718 | £7,307 | £55,456 | 119.5% |
| Yr 15 | £11,256 | £218,115 | £7,659 | £17,424 | £95,539 | 205.9% |
| Yr 20 | £12,735 | £252,856 | £8,724 | £32,612 | £145,467 | 313.5% |
| Yr 25 | £14,408 | £293,129 | £9,929 | £53,538 | £206,666 | 445.4% |
| Yr 30 | £16,302 | £339,817 | £11,292 | £80,955 | £280,772 | 605.1% |
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 | £564 | 4.8% | 2.8% | £-239 | -13.6% |
| Conservative | £618 | 5.3% | 3.4% | £-86 | -2.1% |
| Base | £664 | 5.7% | 3.8% | £3 | 2.7% |
| Optimistic | £717 | 6.1% | 4.2% | £100 | 8.1% |
| Bull | £784 | 6.7% | 4.8% | £208 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.69% |
| Net Yield | ●3.78% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£4 |
| Cash-on-Cash Return | ●0.09% |
| 5-Year IRR | ●2.7% |
● 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 | £1,490 |
| 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 | £564 | 4.8% | 2.8% | £-239 | -13.6% |
| Conservative | £618 | 5.3% | 3.4% | £-86 | -2.1% |
| Base | £664 | 5.7% | 3.8% | £3 | 2.7% |
| Optimistic | £717 | 6.1% | 4.2% | £100 | 8.1% |
| Bull | £784 | 6.7% | 4.8% | £208 | 14.9% |
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