🔒 Sign in to view the address — North End
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £279,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| Total Estimated Refurb | £15,000 |
⚠ 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 in Portsmouth & Southampton | Limewood Builders ... | 023 8218 0519 | — |
| decorator | Painters and Decorators in Portsmouth: Stark and Son | 07446 099673 | — |
| photographer | Musselwhite Photography | 023 9343 0100 | — |
Property Details
- Asking Price
- £310,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 | £23,312 | £319,300 | £16,340 | £4,715 | £14,015 | 13.7% |
| Yr 3 | £24,492 | £338,745 | £17,189 | £15,413 | £44,159 | 43.0% |
| Yr 5 | £25,732 | £359,375 | £18,082 | £27,876 | £77,251 | 75.3% |
| Yr 10 | £29,113 | £416,614 | £20,517 | £67,345 | £173,959 | 169.6% |
| Yr 15 | £32,939 | £482,970 | £23,271 | £119,931 | £292,901 | 285.5% |
| Yr 20 | £37,268 | £559,894 | £26,388 | £187,358 | £437,252 | 426.2% |
| Yr 25 | £42,165 | £649,071 | £29,914 | £271,576 | £610,647 | 595.2% |
| Yr 30 | £47,706 | £752,451 | £33,903 | £374,791 | £817,242 | 796.5% |
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 East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 6.4% | 4.0% | £-224 | -8.0% |
| Conservative | £1,806 | 7.0% | 4.8% | £162 | 2.3% |
| Base | £1,942 | 7.5% | 5.3% | £392 | 6.8% |
| Optimistic | £2,097 | 8.1% | 5.9% | £643 | 12.0% |
| Bull | £2,292 | 8.9% | 6.6% | £930 | 18.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.52% |
| Net Yield | ●5.27% |
| Net Annual Income | £16,334 |
| Deductions: void 8% (−£1,865) · mgmt 10% (−£2,331) · maint 10% (−£2,331) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £967 |
| Monthly Cashflow (IO) | ●£394 |
| Cash-on-Cash Return | ●4.59% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,000 |
| SDLT Effective Rate | 6.77% |
| SDLT (Company) | £21,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,325 |
| SPV Annual Saving | £3,955 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £359,375 |
| Less: Purchase Price | −£310,000 |
| Less: Buying Costs (SDLT + legal) | −£23,600 |
| Less: Selling Costs (est. 2.5%) | −£8,984 |
| = CGT Net Gain (5yr) | £16,791 |
| CGT at 24% | £3,310 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 6.4% | 4.0% | £-224 | -8.0% |
| Conservative | £1,806 | 7.0% | 4.8% | £162 | 2.3% |
| Base | £1,942 | 7.5% | 5.3% | £392 | 6.8% |
| Optimistic | £2,097 | 8.1% | 5.9% | £643 | 12.0% |
| Bull | £2,292 | 8.9% | 6.6% | £930 | 18.5% |
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