🔒 Sign in to view the address — Plymouth
Terraced · 4 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 West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,000 |
| Bedroom 2 | £1,000 |
| Bedroom 3 | £1,000 |
| Bedroom 4 | £1,000 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £240,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,300–1,400 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £17,592 | £247,200 | £12,221 | £3,221 | £10,421 | 13.3% |
| Yr 3 | £18,483 | £262,254 | £12,862 | £10,622 | £32,876 | 41.9% |
| Yr 5 | £19,418 | £278,226 | £13,536 | £19,353 | £57,579 | 73.4% |
| Yr 10 | £21,970 | £322,540 | £15,373 | £47,455 | £129,995 | 165.8% |
| Yr 15 | £24,857 | £373,912 | £17,452 | £85,455 | £219,367 | 279.8% |
| Yr 20 | £28,123 | £433,467 | £19,804 | £134,655 | £328,121 | 418.5% |
| Yr 25 | £31,819 | £502,507 | £22,465 | £196,525 | £459,032 | 585.5% |
| Yr 30 | £36,000 | £582,543 | £25,475 | £272,732 | £615,275 | 784.8% |
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 West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.2% | 3.9% | £-202 | -8.4% |
| Conservative | £1,363 | 6.8% | 4.6% | £92 | 2.1% |
| Base | £1,466 | 7.3% | 5.1% | £268 | 6.6% |
| Optimistic | £1,583 | 7.9% | 5.7% | £460 | 11.8% |
| Bull | £1,730 | 8.6% | 6.4% | £678 | 18.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.33% |
| Net Yield | ●5.09% |
| Net Annual Income | £12,221 |
| Deductions: void 8% (−£1,407) · mgmt 10% (−£1,759) · maint 10% (−£1,759) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £748 |
| Monthly Cashflow (IO) | ●£270 |
| Cash-on-Cash Return | ●4.11% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,300 |
| SDLT Effective Rate | 5.96% |
| SDLT (Company) | £14,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,800 |
| SPV Annual Saving | £3,024 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £278,226 |
| Less: Purchase Price | −£240,000 |
| Less: Buying Costs (SDLT + legal) | −£16,900 |
| Less: Selling Costs (est. 2.5%) | −£6,956 |
| = CGT Net Gain (5yr) | £14,370 |
| CGT at 24% | £2,729 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 6.2% | 3.9% | £-202 | -8.4% |
| Conservative | £1,363 | 6.8% | 4.6% | £92 | 2.1% |
| Base | £1,466 | 7.3% | 5.1% | £268 | 6.6% |
| Optimistic | £1,583 | 7.9% | 5.7% | £460 | 11.8% |
| Bull | £1,730 | 8.6% | 6.4% | £678 | 18.4% |
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