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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 22% 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) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Lynch Renovation and Construction | 07304 063002 | — |
| decorator | Decorators in Leeds With Excellent Reviews | Free Quote ... | 0113 808 1192 | — |
Property Details
- Asking Price
- £135,000
- Property Type
- Flat
- Bedrooms
- 2
- 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 | £11,488 | £139,050 | £7,827 | £2,764 | £6,814 | 15.2% |
| Yr 3 | £12,070 | £147,518 | £8,245 | £8,918 | £21,436 | 47.8% |
| Yr 5 | £12,681 | £156,502 | £8,685 | £15,941 | £37,443 | 83.6% |
| Yr 10 | £14,348 | £181,429 | £9,885 | £37,596 | £84,025 | 187.6% |
| Yr 15 | £16,233 | £210,326 | £11,243 | £65,715 | £141,041 | 314.8% |
| Yr 20 | £18,366 | £243,825 | £12,779 | £101,148 | £209,973 | 468.7% |
| Yr 25 | £20,780 | £282,660 | £14,516 | £144,856 | £292,516 | 652.9% |
| Yr 30 | £23,510 | £327,680 | £16,482 | £197,926 | £390,606 | 871.9% |
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 — Yorkshire ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 957 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £813 | 7.2% | 4.4% | £-57 | -6.1% |
| Conservative | £890 | 7.9% | 5.2% | £122 | 4.0% |
| Base | £957 | 8.5% | 5.8% | £230 | 8.4% |
| Optimistic | £1,034 | 9.2% | 6.5% | £348 | 13.4% |
| Bull | £1,129 | 10.0% | 7.3% | £484 | 19.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.51% |
| Net Yield | ●5.79% |
| Net Annual Income | £7,823 |
| Deductions: void 8% (−£919) · mgmt 10% (−£1,149) · maint 10% (−£1,149) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £421 |
| Monthly Cashflow (IO) | ●£231 |
| Cash-on-Cash Return | ●6.16% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,950 |
| SDLT Effective Rate | 5.15% |
| SDLT (Company) | £6,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,013 |
| SPV Annual Saving | £1,972 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £156,502 |
| Less: Purchase Price | −£135,000 |
| Less: Buying Costs (SDLT + legal) | −£9,550 |
| Less: Selling Costs (est. 2.5%) | −£3,913 |
| = CGT Net Gain (5yr) | £8,039 |
| CGT at 24% | £1,209 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £813 | 7.2% | 4.4% | £-57 | -6.1% |
| Conservative | £890 | 7.9% | 5.2% | £122 | 4.0% |
| Base | £957 | 8.5% | 5.8% | £230 | 8.4% |
| Optimistic | £1,034 | 9.2% | 6.5% | £348 | 13.4% |
| Bull | £1,129 | 10.0% | 7.3% | £484 | 19.8% |
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