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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 50% 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 | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| 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 | Complete Construction Swindon is a residential construction and ... | 07881963867 | — |
| decorator | Cook'S Decorating: Decorators In Swindon | 07795 154599 | — |
| photographer | Newborn Family Photographer | Jo-Jo Photography | Swindon | 07990 543765 | — |
Property Details
- Asking Price
- £130,000
- 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 | £14,391 | £133,900 | £9,917 | £5,042 | £8,942 | 20.7% |
| Yr 3 | £15,120 | £142,055 | £10,441 | £15,908 | £27,963 | 64.7% |
| Yr 5 | £15,885 | £150,706 | £10,992 | £27,864 | £48,569 | 112.4% |
| Yr 10 | £17,972 | £174,709 | £12,495 | £62,884 | £107,593 | 249.1% |
| Yr 15 | £20,334 | £202,536 | £14,196 | £106,002 | £178,538 | 413.3% |
| Yr 20 | £23,006 | £234,794 | £16,119 | £158,281 | £263,076 | 609.0% |
| Yr 25 | £26,029 | £272,191 | £18,296 | £220,926 | £363,117 | 840.5% |
| Yr 30 | £29,450 | £315,544 | £20,759 | £295,299 | £480,843 | 1113.1% |
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 West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 9.4% | 5.8% | £97 | 0.4% |
| Conservative | £1,115 | 10.3% | 6.9% | £297 | 9.6% |
| Base | £1,199 | 11.1% | 7.6% | £420 | 13.7% |
| Optimistic | £1,295 | 12.0% | 8.5% | £556 | 18.4% |
| Bull | £1,415 | 13.1% | 9.6% | £713 | 24.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.07% |
| Net Yield | ●7.63% |
| Net Annual Income | £9,914 |
| Deductions: void 8% (−£1,151) · mgmt 10% (−£1,439) · maint 10% (−£1,439) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£421 |
| Cash-on-Cash Return | ●11.66% |
| 5-Year IRR | ●13.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £2,369 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 9.4% | 5.8% | £97 | 0.4% |
| Conservative | £1,115 | 10.3% | 6.9% | £297 | 9.6% |
| Base | £1,199 | 11.1% | 7.6% | £420 | 13.7% |
| Optimistic | £1,295 | 12.0% | 8.5% | £556 | 18.4% |
| Bull | £1,415 | 13.1% | 9.6% | £713 | 24.3% |
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