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Terraced · 3 bed
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Suggested Offer Range
Asking price is 13% above the area median. Offers anchored to area median of £239,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- 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 | £16,065 | £278,100 | £11,122 | £997 | £9,097 | 10.3% |
| Yr 3 | £16,878 | £295,036 | £11,707 | £3,865 | £28,901 | 32.6% |
| Yr 5 | £17,733 | £313,004 | £12,323 | £7,949 | £50,953 | 57.5% |
| Yr 10 | £20,063 | £362,857 | £14,000 | £23,887 | £116,745 | 131.8% |
| Yr 15 | £22,699 | £420,651 | £15,899 | £48,865 | £199,516 | 225.2% |
| Yr 20 | £25,682 | £487,650 | £18,046 | £84,070 | £301,720 | 340.5% |
| Yr 25 | £29,057 | £565,320 | £20,476 | £130,846 | £426,166 | 481.0% |
| Yr 30 | £32,876 | £655,361 | £23,225 | £190,714 | £576,075 | 650.2% |
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 | £1,137 | 5.1% | 3.1% | £-395 | -12.2% |
| Conservative | £1,244 | 5.5% | 3.7% | £-94 | -1.1% |
| Base | £1,338 | 5.9% | 4.1% | £83 | 3.7% |
| Optimistic | £1,445 | 6.4% | 4.6% | £273 | 9.1% |
| Bull | £1,579 | 7.0% | 5.2% | £488 | 15.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.95% |
| Net Yield | ●4.12% |
| Net Annual Income | £11,115 |
| Deductions: void 8% (−£1,285) · mgmt 10% (−£1,606) · maint 10% (−£1,606) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£84 |
| Cash-on-Cash Return | ●1.12% |
| 5-Year IRR | ●3.7% |
● 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 | £2,865 |
| 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 | £1,137 | 5.1% | 3.1% | £-395 | -12.2% |
| Conservative | £1,244 | 5.5% | 3.7% | £-94 | -1.1% |
| Base | £1,338 | 5.9% | 4.1% | £83 | 3.7% |
| Optimistic | £1,445 | 6.4% | 4.6% | £273 | 9.1% |
| Bull | £1,579 | 7.0% | 5.2% | £488 | 15.9% |
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