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Semi-Detached · 3 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) · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,450 |
| Bedroom 2 | £1,450 |
| Bedroom 3 | £1,450 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | GMF Builders | Building and Landscape Maintenance Service ... | 07905 057145 | — |
| photographer | Peterborough wedding and family photographer | Boudoir ... | 04349397800 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £12,430 | £226,600 | £8,505 | £255 | £6,855 | 9.5% |
| Yr 3 | £13,059 | £240,400 | £8,958 | £1,441 | £21,841 | 30.3% |
| Yr 5 | £13,720 | £255,040 | £9,434 | £3,567 | £38,607 | 53.6% |
| Yr 10 | £15,523 | £295,662 | £10,732 | £13,316 | £88,977 | 123.6% |
| Yr 15 | £17,563 | £342,753 | £12,201 | £30,059 | £152,811 | 212.2% |
| Yr 20 | £19,871 | £397,344 | £13,862 | £54,714 | £232,059 | 322.3% |
| Yr 25 | £22,482 | £460,631 | £15,742 | £88,323 | £328,954 | 456.9% |
| Yr 30 | £25,437 | £533,998 | £17,870 | £132,062 | £446,059 | 619.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £881 | 4.8% | 2.9% | £-358 | -13.1% |
| Conservative | £963 | 5.3% | 3.5% | £-119 | -1.8% |
| Base | £1,036 | 5.7% | 3.9% | £21 | 3.1% |
| Optimistic | £1,119 | 6.1% | 4.3% | £172 | 8.5% |
| Bull | £1,222 | 6.7% | 4.9% | £342 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.65% |
| Net Yield | ●3.87% |
| Net Annual Income | £8,506 |
| Deductions: void 8% (−£994) · mgmt 10% (−£1,243) · maint 10% (−£1,243) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£23 |
| Cash-on-Cash Return | ●0.36% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,264 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £881 | 4.8% | 2.9% | £-358 | -13.1% |
| Conservative | £963 | 5.3% | 3.5% | £-119 | -1.8% |
| Base | £1,036 | 5.7% | 3.9% | £21 | 3.1% |
| Optimistic | £1,119 | 6.1% | 4.3% | £172 | 8.5% |
| Bull | £1,222 | 6.7% | 4.9% | £342 | 15.4% |
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