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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 | MJH Builders Southampton | 02380 191323 | — |
| decorator | Painters and Decorators Southampton | Free Quotes | 0238-001-7170 | — |
| photographer | Julian Porter Photography | 07720 325336 | — |
Property Details
- Asking Price
- £260,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £22,542 | £267,800 | £15,785 | £6,035 | £13,835 | 16.3% |
| Yr 3 | £23,683 | £284,109 | £16,607 | £19,333 | £43,442 | 51.0% |
| Yr 5 | £24,882 | £301,411 | £17,470 | £34,336 | £75,748 | 89.0% |
| Yr 10 | £28,152 | £349,418 | £19,824 | £79,884 | £169,302 | 198.9% |
| Yr 15 | £31,851 | £405,072 | £22,488 | £138,114 | £283,186 | 332.8% |
| Yr 20 | £36,037 | £469,589 | £25,501 | £210,696 | £420,285 | 493.9% |
| Yr 25 | £40,772 | £544,382 | £28,911 | £299,514 | £583,896 | 686.1% |
| Yr 30 | £46,130 | £631,088 | £32,769 | £406,701 | £777,790 | 914.0% |
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
View all planning applications on your dashboard →
● 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 | £1,596 | 7.4% | 4.6% | £-56 | -4.9% |
| Conservative | £1,747 | 8.1% | 5.5% | £292 | 5.1% |
| Base | £1,878 | 8.7% | 6.1% | £503 | 9.4% |
| Optimistic | £2,028 | 9.4% | 6.8% | £733 | 14.4% |
| Bull | £2,216 | 10.2% | 7.6% | £997 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.67% |
| Net Yield | ●6.07% |
| Net Annual Income | £15,781 |
| Deductions: void 8% (−£1,803) · mgmt 10% (−£2,254) · maint 10% (−£2,254) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £811 |
| Monthly Cashflow (IO) | ●£504 |
| Cash-on-Cash Return | ●7.09% |
| 5-Year IRR | ●9.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,950 |
| SPV Annual Saving | £3,754 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,596 | 7.4% | 4.6% | £-56 | -4.9% |
| Conservative | £1,747 | 8.1% | 5.5% | £292 | 5.1% |
| Base | £1,878 | 8.7% | 6.1% | £503 | 9.4% |
| Optimistic | £2,028 | 9.4% | 6.8% | £733 | 14.4% |
| Bull | £2,216 | 10.2% | 7.6% | £997 | 20.8% |
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