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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 10% 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 | £2,050 |
| Bedroom 2 | £2,050 |
| 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
- £185,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £10,379 | £190,550 | £7,028 | £90 | £5,640 | 9.3% |
| Yr 3 | £10,904 | £202,154 | £7,406 | £835 | £17,990 | 29.6% |
| Yr 5 | £11,456 | £214,466 | £7,803 | £2,366 | £31,831 | 52.4% |
| Yr 10 | £12,961 | £248,625 | £8,887 | £9,892 | £73,517 | 120.9% |
| Yr 15 | £14,665 | £288,224 | £10,113 | £23,259 | £126,483 | 208.0% |
| Yr 20 | £16,592 | £334,131 | £11,501 | £43,233 | £192,364 | 316.4% |
| Yr 25 | £18,772 | £387,349 | £13,071 | £70,682 | £273,031 | 449.1% |
| Yr 30 | £21,239 | £449,044 | £14,847 | £106,589 | £370,632 | 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 | £735 | 4.8% | 2.9% | £-311 | -13.4% |
| Conservative | £804 | 5.2% | 3.4% | £-110 | -2.0% |
| Base | £865 | 5.6% | 3.8% | £8 | 2.8% |
| Optimistic | £934 | 6.1% | 4.2% | £134 | 8.3% |
| Bull | £1,021 | 6.6% | 4.8% | £276 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.61% |
| Net Yield | ●3.8% |
| Net Annual Income | £7,029 |
| Deductions: void 8% (−£830) · mgmt 10% (−£1,038) · maint 10% (−£1,038) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £577 |
| Monthly Cashflow (IO) | ●£9 |
| Cash-on-Cash Return | ●0.15% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £1,911 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £735 | 4.8% | 2.9% | £-311 | -13.4% |
| Conservative | £804 | 5.2% | 3.4% | £-110 | -2.0% |
| Base | £865 | 5.6% | 3.8% | £8 | 2.8% |
| Optimistic | £934 | 6.1% | 4.2% | £134 | 8.3% |
| Bull | £1,021 | 6.6% | 4.8% | £276 | 15.1% |
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