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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 28% above the area median. Offers anchored to area median of £370,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · 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
- £475,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,500–1,600 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 | £28,452 | £489,250 | £20,041 | £2,228 | £16,478 | 10.3% |
| Yr 3 | £29,893 | £519,045 | £21,078 | £8,234 | £52,279 | 32.6% |
| Yr 5 | £31,406 | £550,655 | £22,167 | £16,393 | £92,048 | 57.4% |
| Yr 10 | £35,533 | £638,360 | £25,139 | £46,935 | £210,296 | 131.1% |
| Yr 15 | £40,203 | £740,035 | £28,501 | £93,487 | £358,522 | 223.6% |
| Yr 20 | £45,486 | £857,903 | £32,305 | £158,153 | £541,056 | 337.4% |
| Yr 25 | £51,463 | £994,545 | £36,608 | £243,312 | £762,856 | 475.7% |
| Yr 30 | £58,225 | £1,152,950 | £41,477 | £351,657 | £1,029,607 | 642.1% |
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
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 | 5.1% | 3.2% | £-656 | -12.3% |
| Conservative | £2,207 | 5.6% | 3.8% | £-125 | -1.4% |
| Base | £2,373 | 6.0% | 4.2% | £187 | 3.3% |
| Optimistic | £2,563 | 6.5% | 4.7% | £523 | 8.7% |
| Bull | £2,800 | 7.1% | 5.3% | £904 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.99% |
| Net Yield | ●4.22% |
| Net Annual Income | £20,058 |
| Deductions: void 8% (−£2,276) · mgmt 10% (−£2,845) · maint 10% (−£2,845) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,481 |
| Monthly Cashflow (IO) | ●£190 |
| Cash-on-Cash Return | ●1.4% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £37,500 |
| SDLT Effective Rate | 7.89% |
| SDLT (Company) | £37,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,562 |
| SPV Annual Saving | £4,989 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £550,655 |
| Less: Purchase Price | −£475,000 |
| Less: Buying Costs (SDLT + legal) | −£40,100 |
| Less: Selling Costs (est. 2.5%) | −£13,766 |
| = CGT Net Gain (5yr) | £21,789 |
| CGT at 24% | £4,509 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,017 | 5.1% | 3.2% | £-656 | -12.3% |
| Conservative | £2,207 | 5.6% | 3.8% | £-125 | -1.4% |
| Base | £2,373 | 6.0% | 4.2% | £187 | 3.3% |
| Optimistic | £2,563 | 6.5% | 4.7% | £523 | 8.7% |
| Bull | £2,800 | 7.1% | 5.3% | £904 | 15.4% |
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