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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £236,000. 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 | £1,400 |
| 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 | Complete Construction Swindon is a residential construction and ... | 07881963867 | — |
| decorator | Cook'S Decorating: Decorators In Swindon | 07795 154599 | — |
| photographer | Newborn Family Photographer | Jo-Jo Photography | Swindon | 07990 543765 | — |
Property Details
- Asking Price
- £250,000
- 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 | £14,400 | £257,500 | £9,923 | £548 | £8,048 | 9.9% |
| Yr 3 | £15,129 | £273,182 | £10,448 | £2,428 | £25,610 | 31.4% |
| Yr 5 | £15,895 | £289,819 | £10,999 | £5,398 | £45,216 | 55.4% |
| Yr 10 | £17,984 | £335,979 | £12,503 | £17,957 | £103,936 | 127.4% |
| Yr 15 | £20,347 | £389,492 | £14,205 | £38,618 | £178,110 | 218.3% |
| Yr 20 | £23,021 | £451,528 | £16,130 | £68,447 | £269,975 | 330.9% |
| Yr 25 | £26,046 | £523,444 | £18,308 | £108,648 | £382,092 | 468.3% |
| Yr 30 | £29,468 | £606,816 | £20,772 | £160,583 | £517,399 | 634.1% |
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 | £1,019 | 4.9% | 3.0% | £-390 | -12.7% |
| Conservative | £1,115 | 5.4% | 3.6% | £-116 | -1.4% |
| Base | £1,199 | 5.8% | 4.0% | £45 | 3.4% |
| Optimistic | £1,295 | 6.2% | 4.4% | £218 | 8.8% |
| Bull | £1,415 | 6.8% | 5.0% | £413 | 15.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.76% |
| Net Yield | ●3.97% |
| Net Annual Income | £9,914 |
| Deductions: void 8% (−£1,152) · mgmt 10% (−£1,440) · maint 10% (−£1,440) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£46 |
| Cash-on-Cash Return | ●0.66% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £2,594 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 4.9% | 3.0% | £-390 | -12.7% |
| Conservative | £1,115 | 5.4% | 3.6% | £-116 | -1.4% |
| Base | £1,199 | 5.8% | 4.0% | £45 | 3.4% |
| Optimistic | £1,295 | 6.2% | 4.4% | £218 | 8.8% |
| Bull | £1,415 | 6.8% | 5.0% | £413 | 15.7% |
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