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Semi-Detached · 5 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
Estimated (no AI photo score yet) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Bedroom 3 | £800 |
| Bedroom 4 | £800 |
| Bedroom 5 | £800 |
| 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
- £300,000
- Property Type
- Semi-Detached
- Bedrooms
- 5
- 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 | £26,400 | £309,000 | £18,563 | £7,313 | £16,313 | 16.5% |
| Yr 3 | £27,736 | £327,818 | £19,525 | £23,376 | £51,195 | 51.7% |
| Yr 5 | £29,141 | £347,782 | £20,536 | £41,437 | £89,220 | 90.0% |
| Yr 10 | £32,970 | £403,175 | £23,293 | £96,004 | £199,179 | 201.0% |
| Yr 15 | £37,303 | £467,390 | £26,413 | £165,425 | £332,815 | 335.8% |
| Yr 20 | £42,204 | £541,833 | £29,942 | £251,653 | £493,486 | 498.0% |
| Yr 25 | £47,750 | £628,133 | £33,935 | £356,896 | £685,029 | 691.3% |
| Yr 30 | £54,025 | £728,179 | £38,453 | £483,653 | £911,831 | 920.1% |
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
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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 | £1,870 | 7.5% | 4.7% | £-40 | -4.6% |
| Conservative | £2,046 | 8.2% | 5.6% | £364 | 5.2% |
| Base | £2,200 | 8.8% | 6.2% | £609 | 9.5% |
| Optimistic | £2,376 | 9.5% | 6.9% | £877 | 14.5% |
| Bull | £2,596 | 10.4% | 7.7% | £1,186 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.8% |
| Net Yield | ●6.19% |
| Net Annual Income | £18,563 |
| Deductions: void 8% (−£2,112) · mgmt 10% (−£2,640) · maint 10% (−£2,640) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £936 |
| Monthly Cashflow (IO) | ●£611 |
| Cash-on-Cash Return | ●7.38% |
| 5-Year IRR | ●9.5% |
● 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 | £4,370 |
| 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 | £1,870 | 7.5% | 4.7% | £-40 | -4.6% |
| Conservative | £2,046 | 8.2% | 5.6% | £364 | 5.2% |
| Base | £2,200 | 8.8% | 6.2% | £609 | 9.5% |
| Optimistic | £2,376 | 9.5% | 6.9% | £877 | 14.5% |
| Bull | £2,596 | 10.4% | 7.7% | £1,186 | 20.8% |
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