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Terraced · 3 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
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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £210,000
- 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 | £12,474 | £216,300 | £8,536 | £661 | £6,961 | 10.1% |
| Yr 3 | £13,105 | £229,473 | £8,991 | £2,663 | £22,136 | 32.2% |
| Yr 5 | £13,769 | £243,448 | £9,469 | £5,609 | £39,056 | 56.8% |
| Yr 10 | £15,578 | £282,222 | £10,771 | £17,421 | £89,643 | 130.3% |
| Yr 15 | £17,625 | £327,173 | £12,245 | £36,252 | £153,425 | 223.0% |
| Yr 20 | £19,942 | £379,283 | £13,913 | £63,024 | £232,307 | 337.7% |
| Yr 25 | £22,562 | £439,693 | £15,800 | £98,780 | £328,474 | 477.4% |
| Yr 30 | £25,527 | £509,725 | £17,934 | £144,702 | £444,428 | 646.0% |
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
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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 | £883 | 5.0% | 3.1% | £-316 | -12.4% |
| Conservative | £966 | 5.5% | 3.7% | £-83 | -1.2% |
| Base | £1,039 | 5.9% | 4.1% | £55 | 3.6% |
| Optimistic | £1,122 | 6.4% | 4.5% | £203 | 9.0% |
| Bull | £1,226 | 7.0% | 5.1% | £370 | 15.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.94% |
| Net Yield | ●4.06% |
| Net Annual Income | £8,532 |
| Deductions: void 8% (−£998) · mgmt 10% (−£1,247) · maint 10% (−£1,247) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £655 |
| Monthly Cashflow (IO) | ●£56 |
| Cash-on-Cash Return | ●0.95% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,200 |
| SDLT Effective Rate | 5.81% |
| SDLT (Company) | £12,200 |
| Section 24 Extra Tax/yr (higher rate) | £1,575 |
| SPV Annual Saving | £2,251 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £243,448 |
| Less: Purchase Price | −£210,000 |
| Less: Buying Costs (SDLT + legal) | −£14,800 |
| Less: Selling Costs (est. 2.5%) | −£6,086 |
| = CGT Net Gain (5yr) | £12,562 |
| CGT at 24% | £2,295 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £883 | 5.0% | 3.1% | £-316 | -12.4% |
| Conservative | £966 | 5.5% | 3.7% | £-83 | -1.2% |
| Base | £1,039 | 5.9% | 4.1% | £55 | 3.6% |
| Optimistic | £1,122 | 6.4% | 4.5% | £203 | 9.0% |
| Bull | £1,226 | 7.0% | 5.1% | £370 | 15.8% |
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