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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 13% 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
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 | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| 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 | 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
- £225,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- 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 | £12,465 | £231,750 | £8,530 | £92 | £6,842 | 9.3% |
| Yr 3 | £13,096 | £245,864 | £8,984 | £956 | £21,819 | 29.6% |
| Yr 5 | £13,759 | £260,837 | £9,461 | £2,762 | £38,599 | 52.4% |
| Yr 10 | £15,567 | £302,381 | £10,763 | £11,723 | £89,104 | 121.1% |
| Yr 15 | £17,613 | £350,543 | £12,236 | £27,698 | £153,241 | 208.2% |
| Yr 20 | £19,927 | £406,375 | £13,903 | £51,608 | £232,983 | 316.6% |
| Yr 25 | £22,546 | £471,100 | £15,788 | £84,497 | £330,597 | 449.2% |
| Yr 30 | £25,508 | £546,134 | £17,921 | £127,543 | £448,677 | 609.6% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | £883 | 4.7% | 2.9% | £-377 | -13.4% |
| Conservative | £966 | 5.2% | 3.4% | £-134 | -2.0% |
| Base | £1,039 | 5.5% | 3.8% | £8 | 2.9% |
| Optimistic | £1,122 | 6.0% | 4.2% | £160 | 8.3% |
| Bull | £1,226 | 6.5% | 4.8% | £332 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.54% |
| Net Yield | ●3.79% |
| Net Annual Income | £8,532 |
| Deductions: void 8% (−£997) · mgmt 10% (−£1,246) · maint 10% (−£1,246) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £702 |
| Monthly Cashflow (IO) | ●£9 |
| Cash-on-Cash Return | ●0.13% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,688 |
| SPV Annual Saving | £2,278 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,837 |
| Less: Purchase Price | −£225,000 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,466 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £883 | 4.7% | 2.9% | £-377 | -13.4% |
| Conservative | £966 | 5.2% | 3.4% | £-134 | -2.0% |
| Base | £1,039 | 5.5% | 3.8% | £8 | 2.9% |
| Optimistic | £1,122 | 6.0% | 4.2% | £160 | 8.3% |
| Bull | £1,226 | 6.5% | 4.8% | £332 | 15.2% |
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