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Flat · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 39% 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
AI condition score: 6/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Entrance Hall | £200 |
| Total Estimated Refurb | £4,500 |
⚠ 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 | Building Contractor in Hull, House Extensions in Hull | 01482 714 371 | — |
| decorator | Painting and decorating from Mike Walker Painter & Decorator in Hull | 07792 262 861 | — |
| photographer | Darryl Brooks Photography | 07762 484541 | — |
Property Details
- Asking Price
- £70,000
- Property Type
- Flat
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £8,673 | £72,100 | £5,800 | £3,175 | £5,275 | 21.0% |
| Yr 3 | £9,112 | £76,491 | £6,116 | £9,996 | £16,487 | 65.7% |
| Yr 5 | £9,573 | £81,149 | £6,448 | £17,473 | £28,623 | 114.0% |
| Yr 10 | £10,831 | £94,074 | £7,354 | £39,260 | £63,334 | 252.3% |
| Yr 15 | £12,255 | £109,058 | £8,378 | £65,927 | £104,985 | 418.3% |
| Yr 20 | £13,865 | £126,428 | £9,538 | £98,115 | £154,543 | 615.7% |
| Yr 25 | £15,687 | £146,564 | £10,850 | £136,550 | £213,115 | 849.1% |
| Yr 30 | £17,748 | £169,908 | £12,334 | £182,053 | £281,961 | 1123.4% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 112 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 10.5% | 6.2% | £78 | 0.9% |
| Conservative | £672 | 11.5% | 7.4% | £193 | 9.8% |
| Base | £723 | 12.4% | 8.3% | £265 | 13.6% |
| Optimistic | £781 | 13.4% | 9.3% | £344 | 18.1% |
| Bull | £853 | 14.6% | 10.5% | £436 | 23.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.39% |
| Net Yield | ●8.29% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£867) · maint 10% (−£867) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£266 |
| Cash-on-Cash Return | ●12.66% |
| 5-Year IRR | ●13.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,500 |
| Section 24 Extra Tax/yr (higher rate) | £525 |
| SPV Annual Saving | £1,457 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £81,149 |
| Less: Purchase Price | −£70,000 |
| Less: Buying Costs (SDLT + legal) | −£6,100 |
| Less: Selling Costs (est. 2.5%) | −£2,029 |
| = CGT Net Gain (5yr) | £3,020 |
| CGT at 24% | £5 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 10.5% | 6.2% | £78 | 0.9% |
| Conservative | £672 | 11.5% | 7.4% | £193 | 9.8% |
| Base | £723 | 12.4% | 8.3% | £265 | 13.6% |
| Optimistic | £781 | 13.4% | 9.3% | £344 | 18.1% |
| Bull | £853 | 14.6% | 10.5% | £436 | 23.7% |
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