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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 12% 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 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,300 |
| Bathroom | £1,700 |
| Living Room | £950 |
| Hallway / Stairs | £350 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Bedroom 4 | £550 |
| Total Estimated Refurb | £6,250 |
⚠ 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 | Kris The Builder: Building company Reading | House extensions ... | 07912 608683 | — |
| decorator | Prime Painting Co.: Painter and Decorator in Reading | 04257605452 | — |
| photographer | Tiny Adventure Studio Reading | 0800 368 9761 | — |
Property Details
- Asking Price
- £500,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- 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 | £28,500 | £515,000 | £20,075 | £1,325 | £16,325 | 9.7% |
| Yr 3 | £29,943 | £546,364 | £21,114 | £5,527 | £51,890 | 30.7% |
| Yr 5 | £31,459 | £579,637 | £22,205 | £11,885 | £91,522 | 54.1% |
| Yr 10 | £35,593 | £671,958 | £25,182 | £37,943 | £209,902 | 124.1% |
| Yr 15 | £40,270 | £778,984 | £28,549 | £80,038 | £359,022 | 212.3% |
| Yr 20 | £45,562 | £903,056 | £32,359 | £140,276 | £543,332 | 321.3% |
| Yr 25 | £51,549 | £1,046,889 | £36,670 | £221,042 | £767,931 | 454.1% |
| Yr 30 | £58,323 | £1,213,631 | £41,547 | £325,033 | £1,038,665 | 614.2% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,017 | 4.8% | 3.1% | £-757 | -13.1% |
| Conservative | £2,207 | 5.3% | 3.6% | £-211 | -2.1% |
| Base | £2,373 | 5.7% | 4.0% | £109 | 2.7% |
| Optimistic | £2,563 | 6.2% | 4.5% | £453 | 8.1% |
| Bull | £2,800 | 6.7% | 5.0% | £841 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.7% |
| Net Yield | ●4.01% |
| Net Annual Income | £20,058 |
| Deductions: void 8% (−£2,280) · mgmt 10% (−£2,850) · maint 10% (−£2,850) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,559 |
| Monthly Cashflow (IO) | ●£112 |
| Cash-on-Cash Return | ●0.77% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £40,000 |
| SDLT Effective Rate | 8.0% |
| SDLT (Company) | £40,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,750 |
| SPV Annual Saving | £5,035 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £579,637 |
| Less: Purchase Price | −£500,000 |
| Less: Buying Costs (SDLT + legal) | −£42,600 |
| Less: Selling Costs (est. 2.5%) | −£14,491 |
| = CGT Net Gain (5yr) | £22,546 |
| CGT at 24% | £4,691 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,017 | 4.8% | 3.1% | £-757 | -13.1% |
| Conservative | £2,207 | 5.3% | 3.6% | £-211 | -2.1% |
| Base | £2,373 | 5.7% | 4.0% | £109 | 2.7% |
| Optimistic | £2,563 | 6.2% | 4.5% | £453 | 8.1% |
| Bull | £2,800 | 6.7% | 5.0% | £841 | 14.9% |
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