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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 10% above the area median. Offers anchored to area median of £253,000. 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
- £280,000
- Property Type
- Terraced
- Bedrooms
- 4
- 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 | £23,296 | £288,400 | £16,328 | £5,828 | £14,228 | 15.4% |
| Yr 3 | £24,475 | £305,964 | £17,177 | £18,753 | £44,716 | 48.6% |
| Yr 5 | £25,714 | £324,597 | £18,069 | £33,440 | £78,037 | 84.7% |
| Yr 10 | £29,094 | £376,297 | £20,502 | £78,466 | £174,762 | 189.8% |
| Yr 15 | £32,917 | £436,231 | £23,255 | £136,599 | £292,830 | 317.9% |
| Yr 20 | £37,242 | £505,711 | £26,369 | £209,564 | £435,275 | 472.6% |
| Yr 25 | £42,136 | £586,258 | £29,893 | £299,307 | £605,565 | 657.5% |
| Yr 30 | £47,673 | £679,633 | £33,880 | £408,035 | £807,669 | 876.9% |
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 | 7.1% | 4.4% | £-102 | -5.8% |
| Conservative | £1,806 | 7.7% | 5.3% | £265 | 4.2% |
| Base | £1,942 | 8.3% | 5.8% | £486 | 8.6% |
| Optimistic | £2,097 | 9.0% | 6.5% | £727 | 13.7% |
| Bull | £2,292 | 9.8% | 7.3% | £1,005 | 20.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.32% |
| Net Yield | ●5.83% |
| 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 | £873 |
| Monthly Cashflow (IO) | ●£488 |
| Cash-on-Cash Return | ●6.33% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £3,899 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 7.1% | 4.4% | £-102 | -5.8% |
| Conservative | £1,806 | 7.7% | 5.3% | £265 | 4.2% |
| Base | £1,942 | 8.3% | 5.8% | £486 | 8.6% |
| Optimistic | £2,097 | 9.0% | 6.5% | £727 | 13.7% |
| Bull | £2,292 | 9.8% | 7.3% | £1,005 | 20.1% |
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