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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 30% 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) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,200 |
| Bathroom | £3,050 |
| Living Room | £1,800 |
| Master Bedroom | £4,200 |
| Entrance Hall | £450 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £110,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £8,272 | £113,300 | £5,511 | £1,386 | £4,686 | 12.6% |
| Yr 3 | £8,691 | £120,200 | £5,812 | £4,608 | £14,808 | 39.9% |
| Yr 5 | £9,131 | £127,520 | £6,129 | £8,456 | £25,976 | 70.0% |
| Yr 10 | £10,331 | £147,831 | £6,993 | £21,026 | £58,856 | 158.6% |
| Yr 15 | £11,688 | £171,376 | £7,970 | £38,250 | £99,626 | 268.5% |
| Yr 20 | £13,224 | £198,672 | £9,076 | £60,740 | £149,412 | 402.7% |
| Yr 25 | £14,962 | £230,316 | £10,327 | £89,188 | £209,504 | 564.7% |
| Yr 30 | £16,928 | £266,999 | £11,743 | £124,377 | £281,376 | 758.4% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £586 | 6.4% | 3.7% | £-103 | -9.3% |
| Conservative | £641 | 7.0% | 4.5% | £33 | 1.3% |
| Base | £689 | 7.5% | 5.0% | £115 | 5.9% |
| Optimistic | £744 | 8.1% | 5.6% | £204 | 11.0% |
| Bull | £813 | 8.9% | 6.3% | £306 | 17.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.52% |
| Net Yield | ●5.01% |
| Net Annual Income | £5,508 |
| Deductions: void 8% (−£662) · mgmt 10% (−£827) · maint 10% (−£827) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£116 |
| Cash-on-Cash Return | ●3.73% |
| 5-Year IRR | ●5.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,475 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £586 | 6.4% | 3.7% | £-103 | -9.3% |
| Conservative | £641 | 7.0% | 4.5% | £33 | 1.3% |
| Base | £689 | 7.5% | 5.0% | £115 | 5.9% |
| Optimistic | £744 | 8.1% | 5.6% | £204 | 11.0% |
| Bull | £813 | 8.9% | 6.3% | £306 | 17.5% |
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