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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 20% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | JonesBuild | 07739 506070 | — |
| decorator | P Baldwin Decorator: Expert Painter and Decorator in Gloucester | 07809648652 | — |
| photographer | Gloucester Photographer | Maternity, Newborn & Family | 021-77549761 | — |
Property Details
- Asking Price
- £245,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 sqft
- 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 | £14,136 | £252,350 | £9,733 | £546 | £7,896 | 9.9% |
| Yr 3 | £14,852 | £267,718 | £10,249 | £2,407 | £25,125 | 31.4% |
| Yr 5 | £15,604 | £284,022 | £10,790 | £5,338 | £44,360 | 55.5% |
| Yr 10 | £17,655 | £329,260 | £12,266 | £17,706 | £101,966 | 127.5% |
| Yr 15 | £19,975 | £381,702 | £13,937 | £38,029 | £174,731 | 218.4% |
| Yr 20 | £22,599 | £442,497 | £15,827 | £67,351 | £264,848 | 331.1% |
| Yr 25 | £25,569 | £512,976 | £17,965 | £106,855 | £374,830 | 468.5% |
| Yr 30 | £28,929 | £594,679 | £20,384 | £157,879 | £507,558 | 634.4% |
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 West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,002 | 4.9% | 3.0% | £-381 | -12.6% |
| Conservative | £1,096 | 5.4% | 3.6% | £-112 | -1.4% |
| Base | £1,179 | 5.8% | 4.0% | £46 | 3.4% |
| Optimistic | £1,273 | 6.2% | 4.4% | £216 | 8.8% |
| Bull | £1,391 | 6.8% | 5.0% | £408 | 15.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.77% |
| Net Yield | ●3.98% |
| Net Annual Income | £9,742 |
| Deductions: void 8% (−£1,131) · mgmt 10% (−£1,414) · maint 10% (−£1,414) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£48 |
| Cash-on-Cash Return | ●0.69% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,837 |
| SPV Annual Saving | £2,551 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,002 | 4.9% | 3.0% | £-381 | -12.6% |
| Conservative | £1,096 | 5.4% | 3.6% | £-112 | -1.4% |
| Base | £1,179 | 5.8% | 4.0% | £46 | 3.4% |
| Optimistic | £1,273 | 6.2% | 4.4% | £216 | 8.8% |
| Bull | £1,391 | 6.8% | 5.0% | £408 | 15.7% |
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