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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £65,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Entrance Hall | £350 |
| 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
- £69,950
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £7,967 | £72,048 | £5,291 | £2,668 | £4,767 | 19.0% |
| Yr 3 | £8,371 | £76,436 | £5,582 | £8,439 | £14,925 | 59.5% |
| Yr 5 | £8,794 | £81,091 | £5,887 | £14,812 | £25,953 | 103.5% |
| Yr 10 | £9,950 | £94,007 | £6,719 | £33,586 | £57,643 | 229.8% |
| Yr 15 | £11,258 | £108,980 | £7,660 | £56,844 | £95,874 | 382.2% |
| Yr 20 | £12,737 | £126,337 | £8,726 | £85,173 | £141,561 | 564.3% |
| Yr 25 | £14,411 | £146,460 | £9,931 | £119,242 | £195,751 | 780.3% |
| Yr 30 | £16,304 | £169,787 | £11,294 | £159,802 | £259,639 | 1035.0% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 971 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 9.7% | 5.7% | £46 | -1.6% |
| Conservative | £618 | 10.6% | 6.8% | £155 | 7.7% |
| Base | £664 | 11.4% | 7.6% | £222 | 11.6% |
| Optimistic | £717 | 12.3% | 8.5% | £297 | 16.2% |
| Bull | £784 | 13.4% | 9.6% | £384 | 22.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.39% |
| Net Yield | ●7.57% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£223 |
| Cash-on-Cash Return | ●10.64% |
| 5-Year IRR | ●11.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,498 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,498 |
| Section 24 Extra Tax/yr (higher rate) | £525 |
| SPV Annual Saving | £1,358 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £81,091 |
| Less: Purchase Price | −£69,950 |
| Less: Buying Costs (SDLT + legal) | −£6,098 |
| Less: Selling Costs (est. 2.5%) | −£2,027 |
| = CGT Net Gain (5yr) | £3,016 |
| CGT at 24% | £4 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 9.7% | 5.7% | £46 | -1.6% |
| Conservative | £618 | 10.6% | 6.8% | £155 | 7.7% |
| Base | £664 | 11.4% | 7.6% | £222 | 11.6% |
| Optimistic | £717 | 12.3% | 8.5% | £297 | 16.2% |
| Bull | £784 | 13.4% | 9.6% | £384 | 22.0% |
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