🔒 Sign in to view the address — Portsmouth
Terraced · 4 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
AI condition score: 8/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £950 |
| Bathroom | £700 |
| Living Room | £400 |
| Hallway / Stairs | £150 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Bedroom 4 | £250 |
| Total Estimated Refurb | £2,500 |
⚠ 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
- £270,000
- 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 | £23,301 | £278,100 | £16,332 | £6,207 | £14,307 | 16.1% |
| Yr 3 | £24,481 | £295,036 | £17,181 | £19,889 | £44,925 | 50.7% |
| Yr 5 | £25,720 | £313,004 | £18,073 | £35,334 | £78,338 | 88.4% |
| Yr 10 | £29,100 | £362,857 | £20,507 | £82,256 | £175,113 | 197.6% |
| Yr 15 | £32,924 | £420,651 | £23,260 | £142,289 | £292,940 | 330.6% |
| Yr 20 | £37,250 | £487,650 | £26,375 | £217,156 | £434,806 | 490.8% |
| Yr 25 | £42,145 | £565,320 | £29,899 | £308,805 | £604,125 | 681.9% |
| Yr 30 | £47,683 | £655,361 | £33,887 | £419,443 | £804,804 | 908.4% |
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 | 7.3% | 4.6% | £-61 | -5.0% |
| Conservative | £1,806 | 8.0% | 5.5% | £299 | 4.9% |
| Base | £1,942 | 8.6% | 6.0% | £517 | 9.3% |
| Optimistic | £2,097 | 9.3% | 6.7% | £756 | 14.3% |
| Bull | £2,292 | 10.2% | 7.6% | £1,030 | 20.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.63% |
| Net Yield | ●6.05% |
| Net Annual Income | £16,334 |
| Deductions: void 8% (−£1,864) · mgmt 10% (−£2,330) · maint 10% (−£2,330) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£519 |
| Cash-on-Cash Return | ●7.01% |
| 5-Year IRR | ●9.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £3,880 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 7.3% | 4.6% | £-61 | -5.0% |
| Conservative | £1,806 | 8.0% | 5.5% | £299 | 4.9% |
| Base | £1,942 | 8.6% | 6.0% | £517 | 9.3% |
| Optimistic | £2,097 | 9.3% | 6.7% | £756 | 14.3% |
| Bull | £2,292 | 10.2% | 7.6% | £1,030 | 20.7% |
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