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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 13% 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 | £3,450 |
| 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
- £40,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 200–300 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 | £6,480 | £41,200 | £4,221 | £2,721 | £3,921 | 24.4% |
| Yr 3 | £6,808 | £43,709 | £4,457 | £8,515 | £12,224 | 75.9% |
| Yr 5 | £7,153 | £46,371 | £4,705 | £14,799 | £21,170 | 131.5% |
| Yr 10 | £8,093 | £53,757 | £5,382 | £32,820 | £46,577 | 289.3% |
| Yr 15 | £9,156 | £62,319 | £6,147 | £54,488 | £76,807 | 477.1% |
| Yr 20 | £10,359 | £72,244 | £7,014 | £80,281 | £112,526 | 698.9% |
| Yr 25 | £11,721 | £83,751 | £7,994 | £110,741 | £154,493 | 959.6% |
| Yr 30 | £13,261 | £97,090 | £9,103 | £146,482 | £203,573 | 1264.4% |
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?
📄 Lease Information
Estimated remaining lease: 978 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £459 | 13.8% | 7.8% | £99 | 5.1% |
| Conservative | £502 | 15.1% | 9.4% | £177 | 13.1% |
| Base | £540 | 16.2% | 10.6% | £227 | 16.4% |
| Optimistic | £583 | 17.5% | 11.8% | £282 | 20.3% |
| Bull | £637 | 19.1% | 13.4% | £347 | 25.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●16.2% |
| Net Yield | ●10.55% |
| Net Annual Income | £4,221 |
| Deductions: void 8% (−£518) · mgmt 10% (−£648) · maint 10% (−£648) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £125 |
| Monthly Cashflow (IO) | ●£227 |
| Cash-on-Cash Return | ●16.9% |
| 5-Year IRR | ●16.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,000 |
| Section 24 Extra Tax/yr (higher rate) | £300 |
| SPV Annual Saving | £1,094 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £46,371 |
| Less: Purchase Price | −£40,000 |
| Less: Buying Costs (SDLT + legal) | −£4,600 |
| Less: Selling Costs (est. 2.5%) | −£1,159 |
| = CGT Net Gain (5yr) | £612 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £459 | 13.8% | 7.8% | £99 | 5.1% |
| Conservative | £502 | 15.1% | 9.4% | £177 | 13.1% |
| Base | £540 | 16.2% | 10.6% | £227 | 16.4% |
| Optimistic | £583 | 17.5% | 11.8% | £282 | 20.3% |
| Bull | £637 | 19.1% | 13.4% | £347 | 25.4% |
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