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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| Total Estimated Refurb | £4,400 |
⚠ 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 | FORTY BUILDERS LTD | 07817 269005 | — |
| decorator | Tor Decorators Cardiff | 07776 006790 | — |
| photographer | ZEE Boryczewski Wedding Photographer Cardiff, South Wales, UK | 09435573444 | — |
Property Details
- Asking Price
- £330,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 1,300–1,400 sqft
- 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 | £28,512 | £339,900 | £20,084 | £7,709 | £17,609 | 16.1% |
| Yr 3 | £29,955 | £360,600 | £21,123 | £24,678 | £55,278 | 50.4% |
| Yr 5 | £31,472 | £382,560 | £22,215 | £43,805 | £96,366 | 87.9% |
| Yr 10 | £35,608 | £443,492 | £25,192 | £101,790 | £215,283 | 196.4% |
| Yr 15 | £40,287 | £514,129 | £28,561 | £175,818 | £359,947 | 328.4% |
| Yr 20 | £45,581 | £596,017 | £32,373 | £267,997 | £534,014 | 487.2% |
| Yr 25 | £51,570 | £690,947 | £36,686 | £380,712 | £741,659 | 676.7% |
| Yr 30 | £58,347 | £800,997 | £41,565 | £516,663 | £987,659 | 901.1% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,019 | 7.3% | 4.6% | £-66 | -5.1% |
| Conservative | £2,209 | 8.0% | 5.5% | £375 | 4.7% |
| Base | £2,375 | 8.6% | 6.1% | £642 | 9.1% |
| Optimistic | £2,565 | 9.3% | 6.8% | £933 | 14.1% |
| Bull | £2,802 | 10.2% | 7.6% | £1,268 | 20.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.64% |
| Net Yield | ●6.08% |
| Net Annual Income | £20,075 |
| Deductions: void 8% (−£2,281) · mgmt 10% (−£2,851) · maint 10% (−£2,851) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,029 |
| Monthly Cashflow (IO) | ●£644 |
| Cash-on-Cash Return | ●7.03% |
| 5-Year IRR | ●9.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £23,000 |
| SDLT Effective Rate | 6.97% |
| SDLT (Company) | £23,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,475 |
| SPV Annual Saving | £4,720 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £382,560 |
| Less: Purchase Price | −£330,000 |
| Less: Buying Costs (SDLT + legal) | −£25,600 |
| Less: Selling Costs (est. 2.5%) | −£9,564 |
| = CGT Net Gain (5yr) | £17,396 |
| CGT at 24% | £3,455 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,019 | 7.3% | 4.6% | £-66 | -5.1% |
| Conservative | £2,209 | 8.0% | 5.5% | £375 | 4.7% |
| Base | £2,375 | 8.6% | 6.1% | £642 | 9.1% |
| Optimistic | £2,565 | 9.3% | 6.8% | £933 | 14.1% |
| Bull | £2,802 | 10.2% | 7.6% | £1,268 | 20.4% |
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