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Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 47% above the area median. Offers anchored to area median of £271,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,300 |
| Bathroom | £2,450 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Bedroom 4 | £550 |
| Bedroom 5 | £550 |
| Bedroom 6 | £550 |
| Total Estimated Refurb | £10,560 |
⚠ 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 | FORTY BUILDERS LTD | 07817 269005 | — |
| decorator | Tor Decorators Cardiff | 07776 006790 | — |
| photographer | ZEE Boryczewski Wedding Photographer Cardiff, South Wales, UK | 09435573444 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- Terraced
- Bedrooms
- 6
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- 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 | £35,880 | £412,000 | £25,389 | £10,389 | £22,389 | 16.7% |
| Yr 3 | £37,696 | £437,091 | £26,696 | £33,119 | £70,210 | 52.4% |
| Yr 5 | £39,605 | £463,710 | £28,070 | £58,565 | £122,275 | 91.2% |
| Yr 10 | £44,809 | £537,567 | £31,818 | £134,974 | £272,540 | 203.2% |
| Yr 15 | £50,698 | £623,187 | £36,057 | £231,571 | £454,758 | 339.1% |
| Yr 20 | £57,360 | £722,444 | £40,854 | £351,010 | £673,455 | 502.2% |
| Yr 25 | £64,897 | £837,511 | £46,281 | £496,293 | £933,804 | 696.3% |
| Yr 30 | £73,425 | £970,905 | £52,421 | £670,815 | £1,241,720 | 926.0% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,542 | 7.6% | 4.8% | £-10 | -4.3% |
| Conservative | £2,781 | 8.3% | 5.7% | £534 | 5.3% |
| Base | £2,990 | 9.0% | 6.3% | £866 | 9.6% |
| Optimistic | £3,229 | 9.7% | 7.1% | £1,228 | 14.5% |
| Bull | £3,528 | 10.6% | 7.9% | £1,644 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.97% |
| Net Yield | ●6.35% |
| Net Annual Income | £25,389 |
| Deductions: void 8% (−£2,870) · mgmt 10% (−£3,588) · maint 10% (−£3,588) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£868 |
| Cash-on-Cash Return | ●7.75% |
| 5-Year IRR | ●9.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £5,885 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,542 | 7.6% | 4.8% | £-10 | -4.3% |
| Conservative | £2,781 | 8.3% | 5.7% | £534 | 5.3% |
| Base | £2,990 | 9.0% | 6.3% | £866 | 9.6% |
| Optimistic | £3,229 | 9.7% | 7.1% | £1,228 | 14.5% |
| Bull | £3,528 | 10.6% | 7.9% | £1,644 | 20.8% |
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