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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £395,000. 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 | £1,000 |
| Bedroom 2 | £1,000 |
| Bedroom 3 | £1,000 |
| Bedroom 4 | £1,000 |
| 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 | Emerald Builders – Builders Bournemouth Poole Christchurch ... | 07967 304726 | — |
| decorator | Painters and Decorators in Bournemouth | The Decorator Guys® | 07449812781 | — |
| photographer | Portrait & Headshot Photographer | Bournemouth, Dorset | +447928365362 | — |
Property Details
- Asking Price
- £425,000
- Property Type
- Detached
- 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 | £24,990 | £437,750 | £17,548 | £1,610 | £14,360 | 10.1% |
| Yr 3 | £26,255 | £464,409 | £18,459 | £6,192 | £45,601 | 31.9% |
| Yr 5 | £27,584 | £492,691 | £19,416 | £12,664 | £80,355 | 56.3% |
| Yr 10 | £31,209 | £571,164 | £22,026 | £37,755 | £183,920 | 128.8% |
| Yr 15 | £35,310 | £662,136 | £24,978 | £76,908 | £314,044 | 219.8% |
| Yr 20 | £39,950 | £767,597 | £28,319 | £131,970 | £474,567 | 332.2% |
| Yr 25 | £45,200 | £889,856 | £32,099 | £205,031 | £669,887 | 468.9% |
| Yr 30 | £51,140 | £1,031,587 | £36,376 | £298,458 | £905,044 | 633.6% |
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 | £1,771 | 5.0% | 3.1% | £-613 | -12.5% |
| Conservative | £1,937 | 5.5% | 3.7% | £-142 | -1.6% |
| Base | £2,083 | 5.9% | 4.1% | £135 | 3.2% |
| Optimistic | £2,250 | 6.4% | 4.6% | £432 | 8.5% |
| Bull | £2,458 | 6.9% | 5.2% | £768 | 15.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.88% |
| Net Yield | ●4.13% |
| Net Annual Income | £17,552 |
| Deductions: void 8% (−£1,999) · mgmt 10% (−£2,499) · maint 10% (−£2,499) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,325 |
| Monthly Cashflow (IO) | ●£138 |
| Cash-on-Cash Return | ●1.13% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,500 |
| SDLT Effective Rate | 7.65% |
| SDLT (Company) | £32,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,188 |
| SPV Annual Saving | £4,407 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £492,691 |
| Less: Purchase Price | −£425,000 |
| Less: Buying Costs (SDLT + legal) | −£35,100 |
| Less: Selling Costs (est. 2.5%) | −£12,317 |
| = CGT Net Gain (5yr) | £20,274 |
| CGT at 24% | £4,146 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,771 | 5.0% | 3.1% | £-613 | -12.5% |
| Conservative | £1,937 | 5.5% | 3.7% | £-142 | -1.6% |
| Base | £2,083 | 5.9% | 4.1% | £135 | 3.2% |
| Optimistic | £2,250 | 6.4% | 4.6% | £432 | 8.5% |
| Bull | £2,458 | 6.9% | 5.2% | £768 | 15.3% |
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