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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 14% below the area median — some negotiation possible but limited margin. 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
- £90,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £8,271 | £92,700 | £5,510 | £2,135 | £4,835 | 15.5% |
| Yr 3 | £8,690 | £98,345 | £5,812 | £6,856 | £15,201 | 48.9% |
| Yr 5 | £9,130 | £104,335 | £6,128 | £12,202 | £26,537 | 85.3% |
| Yr 10 | £10,329 | £120,952 | £6,992 | £28,517 | £59,470 | 191.2% |
| Yr 15 | £11,687 | £140,217 | £7,969 | £49,487 | £99,704 | 320.6% |
| Yr 20 | £13,222 | £162,550 | £9,075 | £75,722 | £148,272 | 476.8% |
| Yr 25 | £14,960 | £188,440 | £10,326 | £107,914 | £206,354 | 663.5% |
| Yr 30 | £16,926 | £218,454 | £11,742 | £146,846 | £275,299 | 885.2% |
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?
📄 Lease Information
Estimated remaining lease: 156 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £586 | 7.8% | 4.6% | £-22 | -5.8% |
| Conservative | £641 | 8.5% | 5.5% | £102 | 4.2% |
| Base | £689 | 9.2% | 6.1% | £178 | 8.5% |
| Optimistic | £744 | 9.9% | 6.8% | £260 | 13.4% |
| Bull | £813 | 10.8% | 7.7% | £356 | 19.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.19% |
| Net Yield | ●6.12% |
| Net Annual Income | £5,508 |
| Deductions: void 8% (−£662) · mgmt 10% (−£827) · maint 10% (−£827) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£178 |
| Cash-on-Cash Return | ●6.86% |
| 5-Year IRR | ●8.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,438 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £586 | 7.8% | 4.6% | £-22 | -5.8% |
| Conservative | £641 | 8.5% | 5.5% | £102 | 4.2% |
| Base | £689 | 9.2% | 6.1% | £178 | 8.5% |
| Optimistic | £744 | 9.9% | 6.8% | £260 | 13.4% |
| Bull | £813 | 10.8% | 7.7% | £356 | 19.6% |
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