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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 27% above the area median. Offers anchored to area median of £113,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Building Contractor in Hull, House Extensions in Hull | 01482 714 371 | — |
| decorator | Painting and decorating from Mike Walker Painter & Decorator in Hull | 07792 262 861 | — |
| photographer | Darryl Brooks Photography | 07762 484541 | — |
Property Details
- Asking Price
- £145,000
- Property Type
- Terraced
- Bedrooms
- 3
- 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 | £8,671 | £149,350 | £5,798 | £361 | £4,711 | 9.8% |
| Yr 3 | £9,110 | £158,445 | £6,114 | £1,554 | £14,999 | 31.2% |
| Yr 5 | £9,571 | £168,095 | £6,446 | £3,403 | £26,498 | 55.2% |
| Yr 10 | £10,829 | £194,868 | £7,352 | £11,119 | £60,987 | 127.1% |
| Yr 15 | £12,252 | £225,905 | £8,376 | £23,714 | £104,619 | 218.0% |
| Yr 20 | £13,862 | £261,886 | £9,536 | £41,828 | £158,714 | 330.7% |
| Yr 25 | £15,683 | £303,598 | £10,847 | £66,189 | £224,786 | 468.3% |
| Yr 30 | £17,744 | £351,953 | £12,331 | £97,615 | £304,568 | 634.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 5.1% | 3.0% | £-227 | -12.8% |
| Conservative | £672 | 5.6% | 3.6% | £-65 | -1.5% |
| Base | £723 | 6.0% | 4.0% | £30 | 3.3% |
| Optimistic | £781 | 6.5% | 4.5% | £133 | 8.7% |
| Bull | £853 | 7.1% | 5.1% | £249 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.98% |
| Net Yield | ●4.0% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£867) · maint 10% (−£867) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£32 |
| Cash-on-Cash Return | ●0.76% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £1,598 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 5.1% | 3.0% | £-227 | -12.8% |
| Conservative | £672 | 5.6% | 3.6% | £-65 | -1.5% |
| Base | £723 | 6.0% | 4.0% | £30 | 3.3% |
| Optimistic | £781 | 6.5% | 4.5% | £133 | 8.7% |
| Bull | £853 | 7.1% | 5.1% | £249 | 15.5% |
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