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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 16% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Total Estimated Refurb | £11,400 |
⚠ 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 | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £200,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 8,000–8,100 sqft
- 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 | £11,260 | £206,000 | £7,662 | £162 | £6,162 | 9.4% |
| Yr 3 | £11,830 | £218,545 | £8,073 | £1,100 | £19,645 | 29.9% |
| Yr 5 | £12,429 | £231,855 | £8,504 | £2,889 | £34,744 | 53.0% |
| Yr 10 | £14,062 | £268,783 | £9,680 | £11,378 | £80,161 | 122.2% |
| Yr 15 | £15,910 | £311,593 | £11,010 | £26,203 | £137,796 | 210.1% |
| Yr 20 | £18,001 | £361,222 | £12,516 | £48,196 | £209,418 | 319.2% |
| Yr 25 | £20,366 | £418,756 | £14,219 | £78,299 | £297,054 | 452.8% |
| Yr 30 | £23,043 | £485,452 | £16,146 | £117,578 | £403,030 | 614.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £798 | 4.8% | 2.9% | £-331 | -13.3% |
| Conservative | £873 | 5.2% | 3.4% | £-113 | -1.9% |
| Base | £939 | 5.6% | 3.8% | £14 | 2.9% |
| Optimistic | £1,014 | 6.1% | 4.3% | £151 | 8.4% |
| Bull | £1,108 | 6.6% | 4.8% | £305 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.63% |
| Net Yield | ●3.83% |
| Net Annual Income | £7,668 |
| Deductions: void 8% (−£901) · mgmt 10% (−£1,126) · maint 10% (−£1,126) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£15 |
| Cash-on-Cash Return | ●0.26% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,064 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £798 | 4.8% | 2.9% | £-331 | -13.3% |
| Conservative | £873 | 5.2% | 3.4% | £-113 | -1.9% |
| Base | £939 | 5.6% | 3.8% | £14 | 2.9% |
| Optimistic | £1,014 | 6.1% | 4.3% | £151 | 8.4% |
| Bull | £1,108 | 6.6% | 4.8% | £305 | 15.2% |
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