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Semi-Detached Bungalow · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 32% above the area median. Offers anchored to area median of £302,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Bedroom 4 | £1,050 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | AM Builders (Luton) Ltd: Commercial Building & Maintenance | 01582 655593 | — |
| decorator | IATD Bespoke Decorating | 07772 880082 | — |
| photographer | Oakley Studios: Luton Photography Studio | Portraits, Families ... | 01582 491499 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- Semi-Detached Bungalow
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £21,600 | £412,000 | £15,107 | £107 | £12,107 | 9.0% |
| Yr 3 | £22,694 | £437,091 | £15,894 | £1,497 | £38,588 | 28.8% |
| Yr 5 | £23,842 | £463,710 | £16,721 | £4,521 | £68,231 | 50.9% |
| Yr 10 | £26,975 | £537,567 | £18,977 | £19,785 | £157,352 | 117.3% |
| Yr 15 | £30,520 | £623,187 | £21,530 | £47,202 | £270,389 | 201.6% |
| Yr 20 | £34,531 | £722,444 | £24,417 | £88,371 | £410,815 | 306.3% |
| Yr 25 | £39,068 | £837,511 | £27,684 | £145,097 | £582,608 | 434.5% |
| Yr 30 | £44,202 | £970,905 | £31,381 | £219,425 | £790,330 | 589.4% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,531 | 4.6% | 2.9% | £-667 | -13.8% |
| Conservative | £1,675 | 5.0% | 3.4% | £-240 | -2.6% |
| Base | £1,801 | 5.4% | 3.8% | £10 | 2.2% |
| Optimistic | £1,945 | 5.8% | 4.2% | £277 | 7.7% |
| Bull | £2,125 | 6.4% | 4.7% | £578 | 14.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.4% |
| Net Yield | ●3.78% |
| Net Annual Income | £15,116 |
| Deductions: void 8% (−£1,728) · mgmt 10% (−£2,160) · maint 10% (−£2,160) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£12 |
| Cash-on-Cash Return | ●0.09% |
| 5-Year IRR | ●2.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £3,887 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,531 | 4.6% | 2.9% | £-667 | -13.8% |
| Conservative | £1,675 | 5.0% | 3.4% | £-240 | -2.6% |
| Base | £1,801 | 5.4% | 3.8% | £10 | 2.2% |
| Optimistic | £1,945 | 5.8% | 4.2% | £277 | 7.7% |
| Bull | £2,125 | 6.4% | 4.7% | £578 | 14.5% |
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