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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £50,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £7,970 | £51,500 | £5,293 | £3,418 | £4,918 | 25.8% |
| Yr 3 | £8,373 | £54,636 | £5,584 | £10,689 | £15,326 | 80.2% |
| Yr 5 | £8,797 | £57,964 | £5,889 | £18,563 | £26,527 | 138.9% |
| Yr 10 | £9,953 | £67,196 | £6,721 | £41,089 | £58,285 | 305.2% |
| Yr 15 | £11,261 | £77,898 | £7,663 | £68,101 | £95,999 | 502.6% |
| Yr 20 | £12,741 | £90,306 | £8,729 | £100,185 | £140,491 | 735.6% |
| Yr 25 | £14,416 | £104,689 | £9,934 | £138,011 | £192,700 | 1008.9% |
| Yr 30 | £16,310 | £121,363 | £11,298 | £182,331 | £253,694 | 1328.2% |
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 — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 13.5% | 7.9% | £127 | 6.6% |
| Conservative | £618 | 14.8% | 9.5% | £223 | 14.6% |
| Base | £664 | 15.9% | 10.6% | £285 | 18.0% |
| Optimistic | £717 | 17.2% | 11.8% | £353 | 22.0% |
| Bull | £784 | 18.8% | 13.4% | £433 | 27.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.94% |
| Net Yield | ●10.58% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£638) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £156 |
| Monthly Cashflow (IO) | ●£285 |
| Cash-on-Cash Return | ●17.89% |
| 5-Year IRR | ●18.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,500 |
| Section 24 Extra Tax/yr (higher rate) | £375 |
| SPV Annual Saving | £1,321 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £57,964 |
| Less: Purchase Price | −£50,000 |
| Less: Buying Costs (SDLT + legal) | −£5,100 |
| Less: Selling Costs (est. 2.5%) | −£1,449 |
| = CGT Net Gain (5yr) | £1,415 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 13.5% | 7.9% | £127 | 6.6% |
| Conservative | £618 | 14.8% | 9.5% | £223 | 14.6% |
| Base | £664 | 15.9% | 10.6% | £285 | 18.0% |
| Optimistic | £717 | 17.2% | 11.8% | £353 | 22.0% |
| Bull | £784 | 18.8% | 13.4% | £433 | 27.2% |
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