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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 West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| 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
- £240,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £14,160 | £247,200 | £9,750 | £750 | £7,950 | 10.1% |
| Yr 3 | £14,877 | £262,254 | £10,266 | £3,022 | £25,276 | 32.2% |
| Yr 5 | £15,630 | £278,226 | £10,809 | £6,364 | £44,590 | 56.9% |
| Yr 10 | £17,684 | £322,540 | £12,287 | £19,771 | £102,311 | 130.5% |
| Yr 15 | £20,008 | £373,912 | £13,961 | £41,145 | £175,057 | 223.3% |
| Yr 20 | £22,637 | £433,467 | £15,854 | £71,533 | £265,000 | 338.0% |
| Yr 25 | £25,612 | £502,507 | £17,995 | £112,120 | £374,627 | 477.8% |
| Yr 30 | £28,977 | £582,543 | £20,419 | £164,247 | £506,790 | 646.4% |
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
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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 | £1,002 | 5.0% | 3.1% | £-361 | -12.3% |
| Conservative | £1,096 | 5.5% | 3.7% | £-95 | -1.1% |
| Base | £1,179 | 5.9% | 4.1% | £62 | 3.6% |
| Optimistic | £1,273 | 6.4% | 4.5% | £230 | 9.1% |
| Bull | £1,391 | 7.0% | 5.1% | £420 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.9% |
| Net Yield | ●4.06% |
| Net Annual Income | £9,742 |
| Deductions: void 8% (−£1,133) · mgmt 10% (−£1,416) · maint 10% (−£1,416) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £748 |
| Monthly Cashflow (IO) | ●£64 |
| Cash-on-Cash Return | ●0.95% |
| 5-Year IRR | ●3.6% |
● 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 | £2,541 |
| 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 | £1,002 | 5.0% | 3.1% | £-361 | -12.3% |
| Conservative | £1,096 | 5.5% | 3.7% | £-95 | -1.1% |
| Base | £1,179 | 5.9% | 4.1% | £62 | 3.6% |
| Optimistic | £1,273 | 6.4% | 4.5% | £230 | 9.1% |
| Bull | £1,391 | 7.0% | 5.1% | £420 | 15.9% |
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