🔒 Sign in to view the address — Portsmouth
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 18% above the area median. Offers anchored to area median of £245,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | Builders in Portsmouth & Southampton | Limewood Builders ... | 023 8218 0519 | — |
| decorator | Painters and Decorators in Portsmouth: Stark and Son | 07446 099673 | — |
| photographer | Musselwhite Photography | 023 9343 0100 | — |
Property Details
- Asking Price
- £290,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £23,316 | £298,700 | £16,343 | £5,468 | £14,168 | 14.8% |
| Yr 3 | £24,496 | £316,891 | £17,192 | £17,672 | £44,563 | 46.6% |
| Yr 5 | £25,737 | £336,189 | £18,085 | £31,641 | £77,830 | 81.4% |
| Yr 10 | £29,118 | £389,736 | £20,520 | £74,877 | £174,613 | 182.6% |
| Yr 15 | £32,945 | £451,811 | £23,275 | £131,233 | £293,043 | 306.5% |
| Yr 20 | £37,274 | £523,772 | £26,392 | £202,431 | £436,204 | 456.3% |
| Yr 25 | £42,172 | £607,196 | £29,919 | £290,424 | £607,620 | 635.6% |
| Yr 30 | £47,714 | £703,906 | £33,909 | £397,418 | £811,324 | 848.7% |
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 East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 6.8% | 4.3% | £-142 | -6.6% |
| Conservative | £1,806 | 7.5% | 5.1% | £230 | 3.5% |
| Base | £1,942 | 8.0% | 5.6% | £455 | 8.0% |
| Optimistic | £2,097 | 8.7% | 6.3% | £699 | 13.1% |
| Bull | £2,292 | 9.5% | 7.1% | £980 | 19.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.04% |
| Net Yield | ●5.63% |
| Net Annual Income | £16,334 |
| Deductions: void 8% (−£1,865) · mgmt 10% (−£2,332) · maint 10% (−£2,332) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£457 |
| Cash-on-Cash Return | ●5.71% |
| 5-Year IRR | ●8.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,000 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £19,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £3,917 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,189 |
| Less: Purchase Price | −£290,000 |
| Less: Buying Costs (SDLT + legal) | −£21,600 |
| Less: Selling Costs (est. 2.5%) | −£8,405 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 6.8% | 4.3% | £-142 | -6.6% |
| Conservative | £1,806 | 7.5% | 5.1% | £230 | 3.5% |
| Base | £1,942 | 8.0% | 5.6% | £455 | 8.0% |
| Optimistic | £2,097 | 8.7% | 6.3% | £699 | 13.1% |
| Bull | £2,292 | 9.5% | 7.1% | £980 | 19.5% |
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