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Terraced · 3 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 | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| 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 | MJH Builders Southampton | 02380 191323 | — |
| decorator | Painters and Decorators Southampton | Free Quotes | 0238-001-7170 | — |
| photographer | Julian Porter Photography | 07720 325336 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Terraced
- Bedrooms
- 3
- 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 | £16,060 | £226,600 | £11,118 | £2,868 | £9,468 | 13.2% |
| Yr 3 | £16,873 | £240,400 | £11,704 | £9,479 | £29,879 | 41.5% |
| Yr 5 | £17,727 | £255,040 | £12,319 | £17,305 | £52,345 | 72.7% |
| Yr 10 | £20,057 | £295,662 | £13,996 | £42,597 | £118,259 | 164.2% |
| Yr 15 | £22,692 | £342,753 | £15,893 | £76,925 | £199,678 | 277.3% |
| Yr 20 | £25,674 | £397,344 | £18,041 | £121,478 | £298,822 | 415.0% |
| Yr 25 | £29,048 | £460,631 | £20,470 | £177,598 | £418,229 | 580.9% |
| Yr 30 | £32,865 | £533,998 | £23,218 | £246,806 | £560,803 | 778.9% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,138 | 6.2% | 3.8% | £-191 | -8.6% |
| Conservative | £1,245 | 6.8% | 4.6% | £78 | 1.9% |
| Base | £1,339 | 7.3% | 5.1% | £239 | 6.5% |
| Optimistic | £1,446 | 7.9% | 5.6% | £414 | 11.7% |
| Bull | £1,580 | 8.6% | 6.3% | £614 | 18.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.3% |
| Net Yield | ●5.06% |
| Net Annual Income | £11,124 |
| Deductions: void 8% (−£1,285) · mgmt 10% (−£1,606) · maint 10% (−£1,606) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£241 |
| Cash-on-Cash Return | ●3.99% |
| 5-Year IRR | ●6.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,774 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,138 | 6.2% | 3.8% | £-191 | -8.6% |
| Conservative | £1,245 | 6.8% | 4.6% | £78 | 1.9% |
| Base | £1,339 | 7.3% | 5.1% | £239 | 6.5% |
| Optimistic | £1,446 | 7.9% | 5.6% | £414 | 11.7% |
| Bull | £1,580 | 8.6% | 6.3% | £614 | 18.3% |
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