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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 45% above the area median. Offers anchored to area median of £55,000. 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 | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Entrance Hall | £350 |
| 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £80,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 200–300 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 | £7,968 | £82,400 | £5,292 | £2,292 | £4,692 | 16.7% |
| Yr 3 | £8,371 | £87,418 | £5,582 | £7,310 | £14,728 | 52.4% |
| Yr 5 | £8,795 | £92,742 | £5,888 | £12,930 | £25,672 | 91.4% |
| Yr 10 | £9,951 | £107,513 | £6,720 | £29,823 | £57,337 | 204.0% |
| Yr 15 | £11,259 | £124,637 | £7,661 | £51,200 | £95,837 | 341.1% |
| Yr 20 | £12,738 | £144,489 | £8,726 | £77,649 | £142,138 | 505.8% |
| Yr 25 | £14,412 | £167,502 | £9,932 | £109,837 | £197,339 | 702.3% |
| Yr 30 | £16,306 | £194,181 | £11,295 | £148,518 | £262,699 | 934.9% |
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 — Yorkshire ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 1242 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 8.5% | 4.9% | £5 | -4.4% |
| Conservative | £618 | 9.3% | 5.9% | £120 | 5.4% |
| Base | £664 | 10.0% | 6.6% | £191 | 9.5% |
| Optimistic | £717 | 10.8% | 7.4% | £269 | 14.3% |
| Bull | £784 | 11.8% | 8.4% | £358 | 20.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.96% |
| Net Yield | ●6.62% |
| Net Annual Income | £5,292 |
| Deductions: void 8% (−£637) · mgmt 10% (−£797) · maint 10% (−£797) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £250 |
| Monthly Cashflow (IO) | ●£191 |
| Cash-on-Cash Return | ●8.16% |
| 5-Year IRR | ●9.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,000 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,377 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,742 |
| Less: Purchase Price | −£80,000 |
| Less: Buying Costs (SDLT + legal) | −£6,600 |
| Less: Selling Costs (est. 2.5%) | −£2,319 |
| = CGT Net Gain (5yr) | £3,823 |
| CGT at 24% | £198 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £564 | 8.5% | 4.9% | £5 | -4.4% |
| Conservative | £618 | 9.3% | 5.9% | £120 | 5.4% |
| Base | £664 | 10.0% | 6.6% | £191 | 9.5% |
| Optimistic | £717 | 10.8% | 7.4% | £269 | 14.3% |
| Bull | £784 | 11.8% | 8.4% | £358 | 20.3% |
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