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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 12% above the area median. Offers anchored to area median of £357,000. 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 | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| 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 | Builders in Portsmouth & Southampton | Limewood Builders ... | 023 8218 0519 | — |
| decorator | Painters and Decorators in Portsmouth: Stark and Son | 07446 099673 | — |
| photographer | Musselwhite Photography | 023 9343 0100 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £23,320 | £412,000 | £16,345 | £1,345 | £13,345 | 10.0% |
| Yr 3 | £24,501 | £437,091 | £17,195 | £5,306 | £42,397 | 31.6% |
| Yr 5 | £25,741 | £463,710 | £18,088 | £11,031 | £74,740 | 55.7% |
| Yr 10 | £29,123 | £537,567 | £20,524 | £33,659 | £171,226 | 127.7% |
| Yr 15 | £32,951 | £623,187 | £23,279 | £69,409 | £292,596 | 218.2% |
| Yr 20 | £37,281 | £722,444 | £26,397 | £120,005 | £442,450 | 329.9% |
| Yr 25 | £42,179 | £837,511 | £29,924 | £187,398 | £624,909 | 466.0% |
| Yr 30 | £47,722 | £970,905 | £33,915 | £273,794 | £844,699 | 629.9% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 5.0% | 3.1% | £-589 | -12.7% |
| Conservative | £1,806 | 5.4% | 3.7% | £-148 | -1.6% |
| Base | £1,942 | 5.8% | 4.1% | £111 | 3.1% |
| Optimistic | £2,097 | 6.3% | 4.5% | £390 | 8.5% |
| Bull | £2,292 | 6.9% | 5.1% | £705 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.83% |
| Net Yield | ●4.08% |
| Net Annual Income | £16,334 |
| Deductions: void 8% (−£1,866) · mgmt 10% (−£2,332) · maint 10% (−£2,332) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£113 |
| Cash-on-Cash Return | ●0.99% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £4,123 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,651 | 5.0% | 3.1% | £-589 | -12.7% |
| Conservative | £1,806 | 5.4% | 3.7% | £-148 | -1.6% |
| Base | £1,942 | 5.8% | 4.1% | £111 | 3.1% |
| Optimistic | £2,097 | 6.3% | 4.5% | £390 | 8.5% |
| Bull | £2,292 | 6.9% | 5.1% | £705 | 15.3% |
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