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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £232,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Bedroom 4 | £1,050 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | John Russen Builders: Home | 07766414920 | — |
| decorator | Norwich Painter & Decorator, Jonathan Miller, Interior, Exterior ... | 07766 023097 | — |
| photographer | ETT Photography | 07733 102069 | — |
Property Details
- Asking Price
- £250,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £19,050 | £257,500 | £13,271 | £3,896 | £11,396 | 14.0% |
| Yr 3 | £20,014 | £273,182 | £13,965 | £12,725 | £35,907 | 44.0% |
| Yr 5 | £21,028 | £289,819 | £14,695 | £22,996 | £62,814 | 77.0% |
| Yr 10 | £23,791 | £335,979 | £16,684 | £55,466 | £141,445 | 173.3% |
| Yr 15 | £26,917 | £389,492 | £18,935 | £98,654 | £238,146 | 291.8% |
| Yr 20 | £30,454 | £451,528 | £21,482 | £153,971 | £355,498 | 435.7% |
| Yr 25 | £34,456 | £523,444 | £24,363 | £223,008 | £496,452 | 608.4% |
| Yr 30 | £38,984 | £606,816 | £27,624 | £307,569 | £664,385 | 814.2% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,349 | 6.5% | 4.0% | £-176 | -7.6% |
| Conservative | £1,476 | 7.1% | 4.8% | £137 | 2.8% |
| Base | £1,587 | 7.6% | 5.3% | £324 | 7.3% |
| Optimistic | £1,714 | 8.2% | 5.9% | £528 | 12.4% |
| Bull | £1,873 | 9.0% | 6.7% | £761 | 19.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.62% |
| Net Yield | ●5.31% |
| Net Annual Income | £13,267 |
| Deductions: void 8% (−£1,524) · mgmt 10% (−£1,905) · maint 10% (−£1,905) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£326 |
| Cash-on-Cash Return | ●4.77% |
| 5-Year IRR | ●7.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £3,246 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,349 | 6.5% | 4.0% | £-176 | -7.6% |
| Conservative | £1,476 | 7.1% | 4.8% | £137 | 2.8% |
| Base | £1,587 | 7.6% | 5.3% | £324 | 7.3% |
| Optimistic | £1,714 | 8.2% | 5.9% | £528 | 12.4% |
| Bull | £1,873 | 9.0% | 6.7% | £761 | 19.0% |
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