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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 49% 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) · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,700 |
| Bedroom 2 | £1,700 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Lynch Renovation and Construction | 07304 063002 | — |
| decorator | Decorators in Leeds With Excellent Reviews | Free Quote ... | 0113 808 1192 | — |
Property Details
- Asking Price
- £117,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £11,489 | £120,510 | £7,827 | £3,440 | £6,950 | 17.7% |
| Yr 3 | £12,071 | £127,849 | £8,246 | £10,945 | £21,794 | 55.6% |
| Yr 5 | £12,682 | £135,635 | £8,686 | £19,320 | £37,955 | 96.8% |
| Yr 10 | £14,349 | £157,238 | £9,886 | £44,353 | £84,592 | 215.8% |
| Yr 15 | £16,234 | £182,282 | £11,244 | £75,852 | £141,134 | 360.0% |
| Yr 20 | £18,368 | £211,315 | £12,780 | £114,665 | £208,980 | 533.1% |
| Yr 25 | £20,781 | £244,972 | £14,517 | £161,753 | £289,725 | 739.1% |
| Yr 30 | £23,512 | £283,990 | £16,484 | £218,204 | £385,194 | 982.6% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £813 | 8.3% | 5.0% | £16 | -3.1% |
| Conservative | £890 | 9.1% | 6.0% | £184 | 6.6% |
| Base | £957 | 9.8% | 6.7% | £286 | 10.8% |
| Optimistic | £1,034 | 10.6% | 7.5% | £399 | 15.6% |
| Bull | £1,129 | 11.6% | 8.4% | £529 | 21.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.82% |
| Net Yield | ●6.69% |
| Net Annual Income | £7,823 |
| Deductions: void 8% (−£919) · mgmt 10% (−£1,149) · maint 10% (−£1,149) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £365 |
| Monthly Cashflow (IO) | ●£287 |
| Cash-on-Cash Return | ●8.76% |
| 5-Year IRR | ●10.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,850 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,850 |
| Section 24 Extra Tax/yr (higher rate) | £878 |
| SPV Annual Saving | £1,938 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £135,635 |
| Less: Purchase Price | −£117,000 |
| Less: Buying Costs (SDLT + legal) | −£8,450 |
| Less: Selling Costs (est. 2.5%) | −£3,391 |
| = CGT Net Gain (5yr) | £6,794 |
| CGT at 24% | £911 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £813 | 8.3% | 5.0% | £16 | -3.1% |
| Conservative | £890 | 9.1% | 6.0% | £184 | 6.6% |
| Base | £957 | 9.8% | 6.7% | £286 | 10.8% |
| Optimistic | £1,034 | 10.6% | 7.5% | £399 | 15.6% |
| Bull | £1,129 | 11.6% | 8.4% | £529 | 21.8% |
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