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Flat · 2 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
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,800 |
| Bathroom | £3,500 |
| Living Room | £2,050 |
| Master Bedroom | £2,400 |
| Bedroom 2 | £2,400 |
| Entrance Hall | £500 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | MJH Builders Southampton | 02380 191323 | — |
| decorator | Painters and Decorators Southampton | Free Quotes | 0238-001-7170 | — |
| photographer | Julian Porter Photography | 07720 325336 | — |
Property Details
- Asking Price
- £165,000
- Property Type
- Flat
- 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 | £13,216 | £169,950 | £9,071 | £2,883 | £7,833 | 14.4% |
| Yr 3 | £13,886 | £180,300 | £9,553 | £9,370 | £24,670 | 45.3% |
| Yr 5 | £14,589 | £191,280 | £10,059 | £16,856 | £43,136 | 79.3% |
| Yr 10 | £16,506 | £221,746 | £11,439 | £40,285 | £97,031 | 178.4% |
| Yr 15 | £18,675 | £257,065 | £13,001 | £71,151 | £163,215 | 300.0% |
| Yr 20 | £21,129 | £298,008 | £14,768 | £110,430 | £243,438 | 447.5% |
| Yr 25 | £23,905 | £345,473 | £16,767 | £159,229 | £339,702 | 624.5% |
| Yr 30 | £27,046 | £400,498 | £19,028 | £218,798 | £454,296 | 835.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £936 | 6.8% | 4.2% | £-99 | -7.1% |
| Conservative | £1,024 | 7.4% | 4.9% | £112 | 3.2% |
| Base | £1,101 | 8.0% | 5.5% | £240 | 7.7% |
| Optimistic | £1,189 | 8.6% | 6.1% | £379 | 12.8% |
| Bull | £1,299 | 9.4% | 6.9% | £538 | 19.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.01% |
| Net Yield | ●5.5% |
| Net Annual Income | £9,068 |
| Deductions: void 8% (−£1,057) · mgmt 10% (−£1,322) · maint 10% (−£1,322) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £515 |
| Monthly Cashflow (IO) | ●£241 |
| Cash-on-Cash Return | ●5.3% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £2,270 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £936 | 6.8% | 4.2% | £-99 | -7.1% |
| Conservative | £1,024 | 7.4% | 4.9% | £112 | 3.2% |
| Base | £1,101 | 8.0% | 5.5% | £240 | 7.7% |
| Optimistic | £1,189 | 8.6% | 6.1% | £379 | 12.8% |
| Bull | £1,299 | 9.4% | 6.9% | £538 | 19.2% |
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