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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 25% 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) · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £11,400 |
⚠ 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 | |
|---|---|---|---|
| decorator | Derby House Painter & Decorator, Derby, DE1 2AW | 07441 425139 | — |
| photographer | Lianne Harrison Photography - Derby | 06195004180 | — |
Property Details
- Asking Price
- £115,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 400–500 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 | £9,142 | £118,450 | £6,138 | £1,825 | £5,275 | 13.7% |
| Yr 3 | £9,605 | £125,664 | £6,471 | £5,973 | £16,637 | 43.1% |
| Yr 5 | £10,092 | £133,317 | £6,821 | £10,813 | £29,129 | 75.5% |
| Yr 10 | £11,418 | £154,550 | £7,776 | £26,172 | £65,723 | 170.3% |
| Yr 15 | £12,918 | £179,166 | £8,856 | £46,676 | £110,842 | 287.2% |
| Yr 20 | £14,616 | £207,703 | £10,078 | £73,000 | £165,703 | 429.3% |
| Yr 25 | £16,536 | £240,784 | £11,461 | £105,909 | £231,694 | 600.2% |
| Yr 30 | £18,709 | £279,135 | £13,026 | £146,269 | £310,404 | 804.2% |
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 — East Midlands ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 977 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £648 | 6.8% | 4.0% | £-83 | -8.0% |
| Conservative | £709 | 7.4% | 4.8% | £64 | 2.4% |
| Base | £762 | 8.0% | 5.3% | £152 | 6.9% |
| Optimistic | £823 | 8.6% | 6.0% | £248 | 12.0% |
| Bull | £899 | 9.4% | 6.7% | £359 | 18.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.95% |
| Net Yield | ●5.34% |
| Net Annual Income | £6,139 |
| Deductions: void 8% (−£731) · mgmt 10% (−£914) · maint 10% (−£914) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £359 |
| Monthly Cashflow (IO) | ●£153 |
| Cash-on-Cash Return | ●4.73% |
| 5-Year IRR | ●6.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,750 |
| Section 24 Extra Tax/yr (higher rate) | £862 |
| SPV Annual Saving | £1,607 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £133,317 |
| Less: Purchase Price | −£115,000 |
| Less: Buying Costs (SDLT + legal) | −£8,350 |
| Less: Selling Costs (est. 2.5%) | −£3,333 |
| = CGT Net Gain (5yr) | £6,634 |
| CGT at 24% | £872 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £648 | 6.8% | 4.0% | £-83 | -8.0% |
| Conservative | £709 | 7.4% | 4.8% | £64 | 2.4% |
| Base | £762 | 8.0% | 5.3% | £152 | 6.9% |
| Optimistic | £823 | 8.6% | 6.0% | £248 | 12.0% |
| Bull | £899 | 9.4% | 6.7% | £359 | 18.4% |
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