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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £235,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,000 |
| Bathroom | £1,450 |
| Living Room | £850 |
| Hallway / Stairs | £350 |
| Master Bedroom | £650 |
| Bedroom 2 | £650 |
| Bedroom 3 | £650 |
| Total Estimated Refurb | £5,500 |
⚠ 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
- £250,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £14,150 | £257,500 | £9,743 | £368 | £7,868 | 9.6% |
| Yr 3 | £14,866 | £273,182 | £10,259 | £1,874 | £25,056 | 30.7% |
| Yr 5 | £15,619 | £289,819 | £10,801 | £4,451 | £44,270 | 54.3% |
| Yr 10 | £17,671 | £335,979 | £12,278 | £15,940 | £101,919 | 124.9% |
| Yr 15 | £19,994 | £389,492 | £13,950 | £35,390 | £174,882 | 214.3% |
| Yr 20 | £22,621 | £451,528 | £15,842 | £63,849 | £265,377 | 325.2% |
| Yr 25 | £25,593 | £523,444 | £17,982 | £102,499 | £375,944 | 460.7% |
| Yr 30 | £28,957 | £606,816 | £20,404 | £152,681 | £509,496 | 624.4% |
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 | £1,002 | 4.8% | 2.9% | £-401 | -12.9% |
| Conservative | £1,096 | 5.3% | 3.5% | £-129 | -1.6% |
| Base | £1,179 | 5.7% | 3.9% | £31 | 3.2% |
| Optimistic | £1,273 | 6.1% | 4.3% | £202 | 8.6% |
| Bull | £1,391 | 6.7% | 4.9% | £395 | 15.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.66% |
| Net Yield | ●3.9% |
| Net Annual Income | £9,742 |
| Deductions: void 8% (−£1,132) · mgmt 10% (−£1,415) · maint 10% (−£1,415) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£32 |
| Cash-on-Cash Return | ●0.45% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £2,560 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,002 | 4.8% | 2.9% | £-401 | -12.9% |
| Conservative | £1,096 | 5.3% | 3.5% | £-129 | -1.6% |
| Base | £1,179 | 5.7% | 3.9% | £31 | 3.2% |
| Optimistic | £1,273 | 6.1% | 4.3% | £202 | 8.6% |
| Bull | £1,391 | 6.7% | 4.9% | £395 | 15.5% |
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