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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 12% 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) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| 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 | Canterbury Construction Limited | 07902 020802 | — |
| decorator | T&J Painting Solutions | 07522 489992 | — |
| photographer | Canterbury Wedding Photographer | 030-00648083 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 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 | £20,020 | £360,500 | £13,969 | £844 | £11,344 | 9.7% |
| Yr 3 | £21,034 | £382,454 | £14,699 | £3,623 | £36,078 | 30.9% |
| Yr 5 | £22,098 | £405,746 | £15,466 | £7,917 | £63,663 | 54.6% |
| Yr 10 | £25,002 | £470,371 | £17,557 | £25,790 | £146,161 | 125.4% |
| Yr 15 | £28,288 | £545,289 | £19,922 | £54,928 | £250,217 | 214.6% |
| Yr 20 | £32,005 | £632,139 | £22,599 | £96,811 | £378,950 | 325.0% |
| Yr 25 | £36,211 | £732,822 | £25,627 | £153,114 | £535,936 | 459.6% |
| Yr 30 | £40,969 | £849,542 | £29,053 | £225,731 | £725,273 | 622.0% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,417 | 4.9% | 3.0% | £-538 | -12.9% |
| Conservative | £1,550 | 5.3% | 3.6% | £-155 | -1.8% |
| Base | £1,667 | 5.7% | 4.0% | £69 | 3.0% |
| Optimistic | £1,800 | 6.2% | 4.4% | £311 | 8.4% |
| Bull | £1,967 | 6.7% | 5.0% | £583 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.72% |
| Net Yield | ●3.99% |
| Net Annual Income | £13,958 |
| Deductions: void 8% (−£1,602) · mgmt 10% (−£2,002) · maint 10% (−£2,002) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£71 |
| Cash-on-Cash Return | ●0.71% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,568 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,417 | 4.9% | 3.0% | £-538 | -12.9% |
| Conservative | £1,550 | 5.3% | 3.6% | £-155 | -1.8% |
| Base | £1,667 | 5.7% | 4.0% | £69 | 3.0% |
| Optimistic | £1,800 | 6.2% | 4.4% | £311 | 8.4% |
| Bull | £1,967 | 6.7% | 5.0% | £583 | 15.2% |
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