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Semi-Detached · 4 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: 5/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,000 |
| Bedroom 2 | £1,000 |
| Bedroom 3 | £1,000 |
| Bedroom 4 | £1,000 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | Complete Construction Swindon is a residential construction and ... | 07881963867 | — |
| decorator | Cook'S Decorating: Decorators In Swindon | 07795 154599 | — |
| photographer | Newborn Family Photographer | Jo-Jo Photography | Swindon | 07990 543765 | — |
Property Details
- Asking Price
- £270,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- 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 | £19,656 | £278,100 | £13,707 | £3,582 | £11,682 | 13.2% |
| Yr 3 | £20,651 | £295,036 | £14,424 | £11,817 | £36,854 | 41.6% |
| Yr 5 | £21,697 | £313,004 | £15,177 | £21,539 | £64,543 | 72.8% |
| Yr 10 | £24,548 | £362,857 | £17,229 | £52,854 | £145,711 | 164.5% |
| Yr 15 | £27,773 | £420,651 | £19,552 | £95,228 | £245,880 | 277.5% |
| Yr 20 | £31,423 | £487,650 | £22,180 | £150,116 | £367,766 | 415.1% |
| Yr 25 | £35,552 | £565,320 | £25,153 | £219,162 | £514,482 | 580.7% |
| Yr 30 | £40,224 | £655,361 | £28,516 | £304,225 | £689,586 | 778.3% |
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 — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,393 | 6.2% | 3.9% | £-228 | -8.6% |
| Conservative | £1,524 | 6.8% | 4.6% | £102 | 1.9% |
| Base | £1,639 | 7.3% | 5.1% | £299 | 6.5% |
| Optimistic | £1,770 | 7.9% | 5.7% | £513 | 11.7% |
| Bull | £1,934 | 8.6% | 6.4% | £758 | 18.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.28% |
| Net Yield | ●5.08% |
| Net Annual Income | £13,716 |
| Deductions: void 8% (−£1,572) · mgmt 10% (−£1,966) · maint 10% (−£1,966) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£301 |
| Cash-on-Cash Return | ●4.05% |
| 5-Year IRR | ●6.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £3,371 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,393 | 6.2% | 3.9% | £-228 | -8.6% |
| Conservative | £1,524 | 6.8% | 4.6% | £102 | 1.9% |
| Base | £1,639 | 7.3% | 5.1% | £299 | 6.5% |
| Optimistic | £1,770 | 7.9% | 5.7% | £513 | 11.7% |
| Bull | £1,934 | 8.6% | 6.4% | £758 | 18.3% |
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