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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 23% above the area median. Offers anchored to area median of £256,000. 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 | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £900 |
| Bedroom 2 | £900 |
| Bedroom 3 | £900 |
| Bedroom 4 | £900 |
| 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 | |
|---|---|---|---|
| decorator | Derby House Painter & Decorator, Derby, DE1 2AW | 07441 425139 | — |
| photographer | Lianne Harrison Photography - Derby | 06195004180 | — |
Property Details
- Asking Price
- £315,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £17,073 | £324,450 | £11,848 | £35 | £9,485 | 9.1% |
| Yr 3 | £17,937 | £344,209 | £12,470 | £1,035 | £30,244 | 29.0% |
| Yr 5 | £18,845 | £365,171 | £13,124 | £3,326 | £53,498 | 51.3% |
| Yr 10 | £21,322 | £423,334 | £14,907 | £15,143 | £123,477 | 118.3% |
| Yr 15 | £24,124 | £490,760 | £16,924 | £36,567 | £212,327 | 203.5% |
| Yr 20 | £27,294 | £568,925 | £19,207 | £68,859 | £322,784 | 309.3% |
| Yr 25 | £30,880 | £659,540 | £21,789 | £113,449 | £457,989 | 438.9% |
| Yr 30 | £34,938 | £764,588 | £24,711 | £171,952 | £621,539 | 595.6% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,210 | 4.6% | 2.9% | £-531 | -13.7% |
| Conservative | £1,323 | 5.0% | 3.4% | £-194 | -2.4% |
| Base | £1,423 | 5.4% | 3.8% | £3 | 2.5% |
| Optimistic | £1,537 | 5.9% | 4.2% | £214 | 7.9% |
| Bull | £1,679 | 6.4% | 4.7% | £452 | 14.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.42% |
| Net Yield | ●3.76% |
| Net Annual Income | £11,850 |
| Deductions: void 8% (−£1,366) · mgmt 10% (−£1,707) · maint 10% (−£1,707) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £982 |
| Monthly Cashflow (IO) | ●£6 |
| Cash-on-Cash Return | ●0.04% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,500 |
| SDLT Effective Rate | 6.83% |
| SDLT (Company) | £21,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,362 |
| SPV Annual Saving | £3,093 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £365,171 |
| Less: Purchase Price | −£315,000 |
| Less: Buying Costs (SDLT + legal) | −£24,100 |
| Less: Selling Costs (est. 2.5%) | −£9,129 |
| = CGT Net Gain (5yr) | £16,942 |
| CGT at 24% | £3,346 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,210 | 4.6% | 2.9% | £-531 | -13.7% |
| Conservative | £1,323 | 5.0% | 3.4% | £-194 | -2.4% |
| Base | £1,423 | 5.4% | 3.8% | £3 | 2.5% |
| Optimistic | £1,537 | 5.9% | 4.2% | £214 | 7.9% |
| Bull | £1,679 | 6.4% | 4.7% | £452 | 14.8% |
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