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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 23% below the area median — limited negotiation margin. Strong value at current asking price. 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 | JonesBuild | 07739 506070 | — |
| decorator | P Baldwin Decorator: Expert Painter and Decorator in Gloucester | 07809648652 | — |
| photographer | Gloucester Photographer | Maternity, Newborn & Family | 021-77549761 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,300–1,400 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 | £19,460 | £360,500 | £13,566 | £441 | £10,941 | 9.4% |
| Yr 3 | £20,445 | £382,454 | £14,276 | £2,383 | £34,838 | 29.9% |
| Yr 5 | £21,480 | £405,746 | £15,021 | £5,797 | £61,543 | 52.8% |
| Yr 10 | £24,303 | £470,371 | £17,053 | £21,273 | £141,644 | 121.5% |
| Yr 15 | £27,496 | £545,289 | £19,352 | £47,698 | £242,986 | 208.4% |
| Yr 20 | £31,110 | £632,139 | £21,954 | £86,511 | £368,650 | 316.2% |
| Yr 25 | £35,198 | £732,822 | £24,897 | £139,341 | £522,164 | 447.8% |
| Yr 30 | £39,823 | £849,542 | £28,228 | £208,030 | £707,571 | 606.8% |
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
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● 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 | £1,379 | 4.7% | 2.9% | £-563 | -13.3% |
| Conservative | £1,508 | 5.2% | 3.5% | £-184 | -2.1% |
| Base | £1,622 | 5.6% | 3.9% | £37 | 2.7% |
| Optimistic | £1,752 | 6.0% | 4.3% | £275 | 8.1% |
| Bull | £1,914 | 6.6% | 4.9% | £543 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.56% |
| Net Yield | ●3.88% |
| Net Annual Income | £13,569 |
| Deductions: void 8% (−£1,557) · mgmt 10% (−£1,946) · maint 10% (−£1,946) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£39 |
| Cash-on-Cash Return | ●0.38% |
| 5-Year IRR | ●2.7% |
● 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 | £3,492 |
| 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 | £1,379 | 4.7% | 2.9% | £-563 | -13.3% |
| Conservative | £1,508 | 5.2% | 3.5% | £-184 | -2.1% |
| Base | £1,622 | 5.6% | 3.9% | £37 | 2.7% |
| Optimistic | £1,752 | 6.0% | 4.3% | £275 | 8.1% |
| Bull | £1,914 | 6.6% | 4.9% | £543 | 14.9% |
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