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Apartment · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Kris The Builder: Building company Reading | House extensions ... | 07912 608683 | — |
| decorator | Prime Painting Co.: Painter and Decorator in Reading | 04257605452 | — |
| photographer | Tiny Adventure Studio Reading | 0800 368 9761 | — |
Property Details
- Asking Price
- £200,000
- Property Type
- Apartment
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 800–900 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 | £28,480 | £206,000 | £20,061 | £12,561 | £18,561 | 28.3% |
| Yr 3 | £29,922 | £218,545 | £21,099 | £39,233 | £57,778 | 88.1% |
| Yr 5 | £31,437 | £231,855 | £22,189 | £68,059 | £99,914 | 152.3% |
| Yr 10 | £35,568 | £268,783 | £25,164 | £150,282 | £219,065 | 333.9% |
| Yr 15 | £40,241 | £311,593 | £28,529 | £248,530 | £360,123 | 549.0% |
| Yr 20 | £45,530 | £361,222 | £32,336 | £364,909 | £526,131 | 802.0% |
| Yr 25 | £51,513 | £418,756 | £36,644 | £501,800 | £720,556 | 1098.4% |
| Yr 30 | £58,282 | £485,452 | £41,518 | £661,901 | £947,354 | 1444.1% |
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 — South East England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 81 years. Below 85 years — approaching mortgage threshold; consider a lease extension.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,017 | 12.1% | 7.6% | £461 | 9.3% |
| Conservative | £2,207 | 13.2% | 9.0% | £820 | 17.3% |
| Base | £2,373 | 14.2% | 10.0% | £1,046 | 21.0% |
| Optimistic | £2,563 | 15.4% | 11.2% | £1,297 | 25.3% |
| Bull | £2,800 | 16.8% | 12.5% | £1,591 | 30.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●14.24% |
| Net Yield | ●10.03% |
| Net Annual Income | £20,058 |
| Deductions: void 8% (−£2,278) · mgmt 10% (−£2,848) · maint 10% (−£2,848) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£1,048 |
| Cash-on-Cash Return | ●19.14% |
| 5-Year IRR | ●21.0% |
● 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 | £4,472 |
| 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 | £2,017 | 12.1% | 7.6% | £461 | 9.3% |
| Conservative | £2,207 | 13.2% | 9.0% | £820 | 17.3% |
| Base | £2,373 | 14.2% | 10.0% | £1,046 | 21.0% |
| Optimistic | £2,563 | 15.4% | 11.2% | £1,297 | 25.3% |
| Bull | £2,800 | 16.8% | 12.5% | £1,591 | 30.8% |
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