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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £2,350 |
| Bedroom 2 | £2,350 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | Builders in Portsmouth & Southampton | Limewood Builders ... | 023 8218 0519 | — |
| decorator | Painters and Decorators in Portsmouth: Stark and Son | 07446 099673 | — |
| photographer | Musselwhite Photography | 023 9343 0100 | — |
Property Details
- Asking Price
- £215,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £13,410 | £231,750 | £9,210 | £773 | £7,523 | 10.2% |
| Yr 3 | £14,089 | £245,864 | £9,699 | £3,048 | £23,912 | 32.5% |
| Yr 5 | £14,802 | £260,837 | £10,213 | £6,338 | £42,175 | 57.3% |
| Yr 10 | £16,747 | £302,381 | £11,613 | £19,346 | £96,727 | 131.4% |
| Yr 15 | £18,948 | £350,543 | £13,198 | £39,899 | £165,442 | 224.8% |
| Yr 20 | £21,438 | £406,375 | £14,990 | £68,989 | £250,364 | 340.2% |
| Yr 25 | £24,255 | £471,100 | £17,019 | £107,738 | £353,838 | 480.8% |
| Yr 30 | £27,442 | £546,134 | £19,313 | £157,414 | £478,548 | 650.2% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £949 | 5.1% | 3.1% | £-334 | -12.2% |
| Conservative | £1,039 | 5.5% | 3.7% | £-83 | -1.0% |
| Base | £1,117 | 6.0% | 4.1% | £64 | 3.7% |
| Optimistic | £1,206 | 6.4% | 4.6% | £223 | 9.1% |
| Bull | £1,318 | 7.0% | 5.1% | £402 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.96% |
| Net Yield | ●4.09% |
| Net Annual Income | £9,206 |
| Deductions: void 8% (−£1,025) · mgmt 10% (−£1,281) · maint 10% (−£1,281) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £702 |
| Monthly Cashflow (IO) | ●£65 |
| Cash-on-Cash Return | ●1.04% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,688 |
| SPV Annual Saving | £2,410 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,837 |
| Less: Purchase Price | −£225,000 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,466 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £949 | 5.1% | 3.1% | £-334 | -12.2% |
| Conservative | £1,039 | 5.5% | 3.7% | £-83 | -1.0% |
| Base | £1,117 | 6.0% | 4.1% | £64 | 3.7% |
| Optimistic | £1,206 | 6.4% | 4.6% | £223 | 9.1% |
| Bull | £1,318 | 7.0% | 5.1% | £402 | 15.9% |
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