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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 14% 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
- £48,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £7,968 | £49,440 | £5,292 | £3,492 | £4,932 | 26.7% |
| Yr 3 | £8,371 | £52,451 | £5,582 | £10,910 | £15,361 | 83.0% |
| Yr 5 | £8,795 | £55,645 | £5,888 | £18,930 | £26,576 | 143.7% |
| Yr 10 | £9,951 | £64,508 | £6,720 | £41,823 | £58,331 | 315.3% |
| Yr 15 | £11,259 | £74,782 | £7,661 | £69,200 | £95,982 | 518.8% |
| Yr 20 | £12,738 | £86,693 | £8,726 | £101,649 | £140,342 | 758.6% |
| Yr 25 | £14,412 | £100,501 | £9,932 | £139,837 | £192,338 | 1039.7% |
| Yr 30 | £16,306 | £116,509 | £11,295 | £184,518 | £253,027 | 1367.7% |
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 | £564 | 14.1% | 8.2% | £135 | 7.8% |
| Conservative | £618 | 15.4% | 9.9% | £230 | 15.6% |
| Base | £664 | 16.6% | 11.0% | £291 | 18.9% |
| Optimistic | £717 | 17.9% | 12.3% | £359 | 22.8% |
| Bull | £784 | 19.6% | 14.0% | £438 | 27.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●16.6% |
| Net Yield | ●11.03% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £150 |
| Monthly Cashflow (IO) | ●£291 |
| Cash-on-Cash Return | ●18.88% |
| 5-Year IRR | ●18.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,400 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,400 |
| Section 24 Extra Tax/yr (higher rate) | £360 |
| SPV Annual Saving | £1,317 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £55,645 |
| Less: Purchase Price | −£48,000 |
| Less: Buying Costs (SDLT + legal) | −£5,000 |
| Less: Selling Costs (est. 2.5%) | −£1,391 |
| = CGT Net Gain (5yr) | £1,254 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 14.1% | 8.2% | £135 | 7.8% |
| Conservative | £618 | 15.4% | 9.9% | £230 | 15.6% |
| Base | £664 | 16.6% | 11.0% | £291 | 18.9% |
| Optimistic | £717 | 17.9% | 12.3% | £359 | 22.8% |
| Bull | £784 | 19.6% | 14.0% | £438 | 27.9% |
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