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End of Terrace · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 15% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Entrance Hall | £200 |
| 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
- £100,000
- Property Type
- End of Terrace
- Bedrooms
- 2
- 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 | £7,970 | £103,000 | £5,293 | £1,543 | £4,543 | 13.3% |
| Yr 3 | £8,373 | £109,273 | £5,584 | £5,064 | £14,337 | 42.0% |
| Yr 5 | £8,797 | £115,927 | £5,889 | £9,188 | £25,115 | 73.7% |
| Yr 10 | £9,953 | £134,392 | £6,721 | £22,339 | £56,731 | 166.4% |
| Yr 15 | £11,261 | £155,797 | £7,663 | £39,976 | £95,772 | 280.9% |
| Yr 20 | £12,741 | £180,611 | £8,729 | £62,685 | £143,297 | 420.2% |
| Yr 25 | £14,416 | £209,378 | £9,934 | £91,136 | £200,514 | 588.0% |
| Yr 30 | £16,310 | £242,726 | £11,298 | £126,081 | £268,808 | 788.3% |
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 | 6.8% | 4.0% | £-76 | -8.5% |
| Conservative | £618 | 7.4% | 4.7% | £51 | 2.0% |
| Base | £664 | 8.0% | 5.3% | £128 | 6.4% |
| Optimistic | £717 | 8.6% | 5.9% | £212 | 11.5% |
| Bull | £784 | 9.4% | 6.7% | £308 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.97% |
| Net Yield | ●5.29% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£638) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£129 |
| Cash-on-Cash Return | ●4.52% |
| 5-Year IRR | ●6.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,414 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 6.8% | 4.0% | £-76 | -8.5% |
| Conservative | £618 | 7.4% | 4.7% | £51 | 2.0% |
| Base | £664 | 8.0% | 5.3% | £128 | 6.4% |
| Optimistic | £717 | 8.6% | 5.9% | £212 | 11.5% |
| Bull | £784 | 9.4% | 6.7% | £308 | 17.9% |
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