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Terraced · 3 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: 8/10 · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £650 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Total Estimated Refurb | £1,760 |
⚠ 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
- £325,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £18,590 | £334,750 | £12,940 | £752 | £10,502 | 9.7% |
| Yr 3 | £19,531 | £355,136 | £13,617 | £3,269 | £33,405 | 31.0% |
| Yr 5 | £20,520 | £376,764 | £14,329 | £7,192 | £58,956 | 54.7% |
| Yr 10 | £23,216 | £436,773 | £16,271 | £23,630 | £135,403 | 125.5% |
| Yr 15 | £26,267 | £506,339 | £18,467 | £50,528 | £231,867 | 215.0% |
| Yr 20 | £29,719 | £586,986 | £20,953 | £89,260 | £351,246 | 325.7% |
| Yr 25 | £33,624 | £680,478 | £23,764 | £141,382 | £496,860 | 460.7% |
| Yr 30 | £38,043 | £788,860 | £26,946 | £208,654 | £672,514 | 623.6% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,318 | 4.9% | 3.0% | £-501 | -12.9% |
| Conservative | £1,442 | 5.3% | 3.6% | £-145 | -1.7% |
| Base | £1,550 | 5.7% | 4.0% | £63 | 3.1% |
| Optimistic | £1,674 | 6.2% | 4.4% | £288 | 8.5% |
| Bull | £1,829 | 6.8% | 5.0% | £540 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.72% |
| Net Yield | ●3.98% |
| Net Annual Income | £12,947 |
| Deductions: void 8% (−£1,487) · mgmt 10% (−£1,859) · maint 10% (−£1,859) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,014 |
| Monthly Cashflow (IO) | ●£65 |
| Cash-on-Cash Return | ●0.7% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,500 |
| SDLT Effective Rate | 6.92% |
| SDLT (Company) | £22,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,438 |
| SPV Annual Saving | £3,324 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £376,764 |
| Less: Purchase Price | −£325,000 |
| Less: Buying Costs (SDLT + legal) | −£25,100 |
| Less: Selling Costs (est. 2.5%) | −£9,419 |
| = CGT Net Gain (5yr) | £17,245 |
| CGT at 24% | £3,419 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,318 | 4.9% | 3.0% | £-501 | -12.9% |
| Conservative | £1,442 | 5.3% | 3.6% | £-145 | -1.7% |
| Base | £1,550 | 5.7% | 4.0% | £63 | 3.1% |
| Optimistic | £1,674 | 6.2% | 4.4% | £288 | 8.5% |
| Bull | £1,829 | 6.8% | 5.0% | £540 | 15.3% |
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