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End of Terrace · 4 bed
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Suggested Offer Range
Asking price is 36% 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) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,200 |
| Bathroom | £3,050 |
| Living Room | £1,800 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Bedroom 4 | £1,050 |
| Entrance Hall | £450 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | Complete Construction Swindon is a residential construction and ... | 07881963867 | — |
| decorator | Cook'S Decorating: Decorators In Swindon | 07795 154599 | — |
| photographer | Newborn Family Photographer | Jo-Jo Photography | Swindon | 07990 543765 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- 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 | £19,670 | £360,500 | £13,717 | £592 | £11,092 | 9.5% |
| Yr 3 | £20,666 | £382,454 | £14,434 | £2,848 | £35,303 | 30.3% |
| Yr 5 | £21,712 | £405,746 | £15,188 | £6,592 | £62,338 | 53.5% |
| Yr 10 | £24,565 | £470,371 | £17,242 | £22,967 | £143,338 | 122.9% |
| Yr 15 | £27,793 | £545,289 | £19,566 | £50,409 | £245,698 | 210.7% |
| Yr 20 | £31,445 | £632,139 | £22,196 | £90,374 | £372,513 | 319.5% |
| Yr 25 | £35,578 | £732,822 | £25,171 | £144,506 | £527,328 | 452.3% |
| Yr 30 | £40,253 | £849,542 | £28,537 | £214,668 | £714,210 | 612.5% |
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 — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,393 | 4.8% | 3.0% | £-553 | -13.2% |
| Conservative | £1,524 | 5.2% | 3.5% | £-173 | -2.0% |
| Base | £1,639 | 5.6% | 3.9% | £49 | 2.8% |
| Optimistic | £1,770 | 6.1% | 4.4% | £288 | 8.2% |
| Bull | £1,934 | 6.6% | 4.9% | £558 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.62% |
| Net Yield | ●3.92% |
| Net Annual Income | £13,716 |
| Deductions: void 8% (−£1,574) · mgmt 10% (−£1,967) · maint 10% (−£1,967) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£51 |
| Cash-on-Cash Return | ●0.51% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,521 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,393 | 4.8% | 3.0% | £-553 | -13.2% |
| Conservative | £1,524 | 5.2% | 3.5% | £-173 | -2.0% |
| Base | £1,639 | 5.6% | 3.9% | £49 | 2.8% |
| Optimistic | £1,770 | 6.1% | 4.4% | £288 | 8.2% |
| Bull | £1,934 | 6.6% | 4.9% | £558 | 15.0% |
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