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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 38% 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 of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,450 |
| Bedroom 2 | £1,450 |
| Bedroom 3 | £1,450 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | John Russen Builders: Home | 07766414920 | — |
| decorator | Norwich Painter & Decorator, Jonathan Miller, Interior, Exterior ... | 07766 023097 | — |
| photographer | ETT Photography | 07733 102069 | — |
Property Details
- Asking Price
- £170,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £13,634 | £175,100 | £9,371 | £2,996 | £8,096 | 14.5% |
| Yr 3 | £14,324 | £185,764 | £9,868 | £9,732 | £25,495 | 45.5% |
| Yr 5 | £15,049 | £197,077 | £10,391 | £17,499 | £44,575 | 79.6% |
| Yr 10 | £17,027 | £228,466 | £11,814 | £41,778 | £100,244 | 179.0% |
| Yr 15 | £19,264 | £264,854 | £13,425 | £73,728 | £168,583 | 301.0% |
| Yr 20 | £21,796 | £307,039 | £15,248 | £114,359 | £251,398 | 448.9% |
| Yr 25 | £24,660 | £355,942 | £17,310 | £164,809 | £350,751 | 626.3% |
| Yr 30 | £27,901 | £412,635 | £19,644 | £226,370 | £469,005 | 837.5% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 6.8% | 4.2% | £-100 | -7.0% |
| Conservative | £1,056 | 7.5% | 5.0% | £118 | 3.3% |
| Base | £1,136 | 8.0% | 5.5% | £250 | 7.7% |
| Optimistic | £1,227 | 8.7% | 6.1% | £393 | 12.8% |
| Bull | £1,340 | 9.5% | 6.9% | £557 | 19.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.02% |
| Net Yield | ●5.51% |
| Net Annual Income | £9,370 |
| Deductions: void 8% (−£1,091) · mgmt 10% (−£1,363) · maint 10% (−£1,363) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£251 |
| Cash-on-Cash Return | ●5.35% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £2,338 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 6.8% | 4.2% | £-100 | -7.0% |
| Conservative | £1,056 | 7.5% | 5.0% | £118 | 3.3% |
| Base | £1,136 | 8.0% | 5.5% | £250 | 7.7% |
| Optimistic | £1,227 | 8.7% | 6.1% | £393 | 12.8% |
| Bull | £1,340 | 9.5% | 6.9% | £557 | 19.3% |
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