🔒 Sign in to view the address — Bradford
Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. 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 | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Entrance Hall | £350 |
| 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £46,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £7,967 | £47,380 | £5,291 | £3,566 | £4,946 | 27.6% |
| Yr 3 | £8,371 | £50,265 | £5,582 | £11,133 | £15,398 | 86.0% |
| Yr 5 | £8,794 | £53,327 | £5,887 | £19,302 | £26,629 | 148.8% |
| Yr 10 | £9,950 | £61,820 | £6,719 | £42,567 | £58,387 | 326.2% |
| Yr 15 | £11,257 | £71,667 | £7,660 | £70,314 | £95,981 | 536.2% |
| Yr 20 | £12,737 | £83,081 | £8,725 | £103,134 | £140,215 | 783.3% |
| Yr 25 | £14,410 | £96,314 | £9,931 | £141,692 | £192,006 | 1072.7% |
| Yr 30 | £16,304 | £111,654 | £11,294 | £186,743 | £252,397 | 1410.0% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 14.7% | 8.6% | £143 | 8.9% |
| Conservative | £618 | 16.1% | 10.3% | £237 | 16.6% |
| Base | £664 | 17.3% | 11.5% | £297 | 19.8% |
| Optimistic | £717 | 18.7% | 12.9% | £364 | 23.7% |
| Bull | £784 | 20.4% | 14.6% | £443 | 28.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●17.32% |
| Net Yield | ●11.5% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £143 |
| Monthly Cashflow (IO) | ●£298 |
| Cash-on-Cash Return | ●19.93% |
| 5-Year IRR | ●19.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,300 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,300 |
| Section 24 Extra Tax/yr (higher rate) | £345 |
| SPV Annual Saving | £1,313 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £53,327 |
| Less: Purchase Price | −£46,000 |
| Less: Buying Costs (SDLT + legal) | −£4,900 |
| Less: Selling Costs (est. 2.5%) | −£1,333 |
| = CGT Net Gain (5yr) | £1,094 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 14.7% | 8.6% | £143 | 8.9% |
| Conservative | £618 | 16.1% | 10.3% | £237 | 16.6% |
| Base | £664 | 17.3% | 11.5% | £297 | 19.8% |
| Optimistic | £717 | 18.7% | 12.9% | £364 | 23.7% |
| Bull | £784 | 20.4% | 14.6% | £443 | 28.7% |
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