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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £308,000. 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 | Builders | Bristol - Mogford Prescott Ltd | 0117 205 0596 | — |
| decorator | Painting & Decorating in BRISTOL - BRISTOL Painter - Local ... | 07938011715 | — |
| photographer | Boys In Bristol Photography | 07376 126506 | — |
Property Details
- Asking Price
- £325,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £17,940 | £334,750 | £12,472 | £284 | £10,034 | 9.3% |
| Yr 3 | £18,848 | £355,136 | £13,126 | £1,830 | £31,966 | 29.6% |
| Yr 5 | £19,802 | £376,764 | £13,813 | £4,732 | £56,497 | 52.4% |
| Yr 10 | £22,405 | £436,773 | £15,686 | £18,387 | £130,160 | 120.7% |
| Yr 15 | £25,349 | £506,339 | £17,806 | £42,136 | £223,475 | 207.2% |
| Yr 20 | £28,680 | £586,986 | £20,204 | £77,305 | £339,291 | 314.6% |
| Yr 25 | £32,449 | £680,478 | £22,918 | £125,397 | £480,874 | 445.9% |
| Yr 30 | £36,713 | £788,860 | £25,988 | £188,107 | £651,968 | 604.5% |
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 | £1,271 | 4.7% | 2.9% | £-531 | -13.4% |
| Conservative | £1,390 | 5.1% | 3.5% | £-181 | -2.2% |
| Base | £1,495 | 5.5% | 3.8% | £24 | 2.6% |
| Optimistic | £1,615 | 6.0% | 4.3% | £244 | 8.1% |
| Bull | £1,764 | 6.5% | 4.8% | £491 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.52% |
| Net Yield | ●3.84% |
| Net Annual Income | £12,472 |
| Deductions: void 8% (−£1,435) · mgmt 10% (−£1,794) · maint 10% (−£1,794) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,014 |
| Monthly Cashflow (IO) | ●£25 |
| Cash-on-Cash Return | ●0.26% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,500 |
| SDLT Effective Rate | 6.92% |
| SDLT (Company) | £22,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,438 |
| SPV Annual Saving | £3,232 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £376,764 |
| Less: Purchase Price | −£325,000 |
| Less: Buying Costs (SDLT + legal) | −£25,100 |
| Less: Selling Costs (est. 2.5%) | −£9,419 |
| = CGT Net Gain (5yr) | £17,245 |
| CGT at 24% | £3,419 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,271 | 4.7% | 2.9% | £-531 | -13.4% |
| Conservative | £1,390 | 5.1% | 3.5% | £-181 | -2.2% |
| Base | £1,495 | 5.5% | 3.8% | £24 | 2.6% |
| Optimistic | £1,615 | 6.0% | 4.3% | £244 | 8.1% |
| Bull | £1,764 | 6.5% | 4.8% | £491 | 14.9% |
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