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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 19% above the area median. Offers anchored to area median of £250,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,000 |
| Bathroom | £1,450 |
| Living Room | £850 |
| Hallway / Stairs | £350 |
| Master Bedroom | £500 |
| Bedroom 2 | £500 |
| Bedroom 3 | £500 |
| Bedroom 4 | £500 |
| Total Estimated Refurb | £5,500 |
⚠ 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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £300,000
- Property Type
- Terraced
- Bedrooms
- 4
- Number of Units
- 3 units
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 1,200–1,300 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £27,990 | £309,000 | £19,708 | £8,458 | £17,458 | 17.6% |
| Yr 3 | £29,407 | £327,818 | £20,728 | £26,897 | £54,716 | 55.2% |
| Yr 5 | £30,896 | £347,782 | £21,800 | £47,455 | £95,237 | 96.1% |
| Yr 10 | £34,956 | £403,175 | £24,723 | £108,830 | £212,004 | 213.9% |
| Yr 15 | £39,549 | £467,390 | £28,030 | £185,954 | £353,344 | 356.6% |
| Yr 20 | £44,746 | £541,833 | £31,772 | £280,896 | £522,730 | 527.5% |
| Yr 25 | £50,626 | £628,133 | £36,006 | £396,000 | £724,133 | 730.7% |
| Yr 30 | £57,279 | £728,179 | £40,796 | £533,912 | £962,091 | 970.8% |
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 West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,983 | 7.9% | 5.0% | £33 | -3.2% |
| Conservative | £2,170 | 8.7% | 5.9% | £450 | 6.4% |
| Base | £2,333 | 9.3% | 6.6% | £705 | 10.6% |
| Optimistic | £2,520 | 10.1% | 7.3% | £984 | 15.5% |
| Bull | £2,753 | 11.0% | 8.2% | £1,305 | 21.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.33% |
| Net Yield | ●6.57% |
| Net Annual Income | £19,712 |
| Deductions: void 8% (−£2,239) · mgmt 10% (−£2,799) · maint 10% (−£2,799) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £936 |
| Monthly Cashflow (IO) | ●£707 |
| Cash-on-Cash Return | ●8.54% |
| 5-Year IRR | ●10.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,000 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £20,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £4,593 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,782 |
| Less: Purchase Price | −£300,000 |
| Less: Buying Costs (SDLT + legal) | −£22,600 |
| Less: Selling Costs (est. 2.5%) | −£8,695 |
| = CGT Net Gain (5yr) | £16,487 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,983 | 7.9% | 5.0% | £33 | -3.2% |
| Conservative | £2,170 | 8.7% | 5.9% | £450 | 6.4% |
| Base | £2,333 | 9.3% | 6.6% | £705 | 10.6% |
| Optimistic | £2,520 | 10.1% | 7.3% | £984 | 15.5% |
| Bull | £2,753 | 11.0% | 8.2% | £1,305 | 21.8% |
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