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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 23% above the area median. Offers anchored to area median of £211,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £950 |
| Bedroom 2 | £950 |
| Bedroom 3 | £950 |
| Bedroom 4 | £950 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £11,400 |
⚠ 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 | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £260,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- 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 | £19,942 | £267,800 | £13,913 | £4,163 | £11,963 | 14.1% |
| Yr 3 | £20,952 | £284,109 | £14,640 | £13,576 | £37,685 | 44.3% |
| Yr 5 | £22,012 | £301,411 | £15,404 | £24,497 | £65,908 | 77.4% |
| Yr 10 | £24,905 | £349,418 | £17,486 | £58,911 | £148,329 | 174.3% |
| Yr 15 | £28,178 | £405,072 | £19,843 | £104,546 | £249,617 | 293.3% |
| Yr 20 | £31,880 | £469,589 | £22,509 | £162,876 | £372,465 | 437.7% |
| Yr 25 | £36,070 | £544,382 | £25,525 | £235,570 | £519,953 | 611.0% |
| Yr 30 | £40,809 | £631,088 | £28,938 | £324,516 | £695,604 | 817.4% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 6.5% | 4.1% | £-175 | -7.5% |
| Conservative | £1,546 | 7.1% | 4.8% | £151 | 2.8% |
| Base | £1,662 | 7.7% | 5.4% | £347 | 7.3% |
| Optimistic | £1,795 | 8.3% | 6.0% | £560 | 12.5% |
| Bull | £1,961 | 9.1% | 6.7% | £803 | 19.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.67% |
| Net Yield | ●5.35% |
| Net Annual Income | £13,915 |
| Deductions: void 8% (−£1,595) · mgmt 10% (−£1,994) · maint 10% (−£1,994) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £811 |
| Monthly Cashflow (IO) | ●£349 |
| Cash-on-Cash Return | ●4.89% |
| 5-Year IRR | ●7.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,950 |
| SPV Annual Saving | £3,391 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 6.5% | 4.1% | £-175 | -7.5% |
| Conservative | £1,546 | 7.1% | 4.8% | £151 | 2.8% |
| Base | £1,662 | 7.7% | 5.4% | £347 | 7.3% |
| Optimistic | £1,795 | 8.3% | 6.0% | £560 | 12.5% |
| Bull | £1,961 | 9.1% | 6.7% | £803 | 19.0% |
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