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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 14% above the area median. Offers anchored to area median of £87,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · Yorkshire and The Humber rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Entrance Hall | £200 |
| Total Estimated Refurb | £4,500 |
⚠ 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
- £100,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- 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 | £9,520 | £103,000 | £6,409 | £2,659 | £5,659 | 16.6% |
| Yr 3 | £10,002 | £109,273 | £6,756 | £8,497 | £17,769 | 52.1% |
| Yr 5 | £10,508 | £115,927 | £7,121 | £15,054 | £30,981 | 90.9% |
| Yr 10 | £11,889 | £134,392 | £8,115 | £34,842 | £69,234 | 203.0% |
| Yr 15 | £13,452 | £155,797 | £9,240 | £59,988 | £115,784 | 339.5% |
| Yr 20 | £15,219 | £180,611 | £10,513 | £91,193 | £171,804 | 503.8% |
| Yr 25 | £17,219 | £209,378 | £11,953 | £129,256 | £238,634 | 699.8% |
| Yr 30 | £19,482 | £242,726 | £13,582 | £175,077 | £317,803 | 932.0% |
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
🌎 Area Profile — Yorkshire ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £674 | 8.1% | 4.8% | £-5 | -4.5% |
| Conservative | £737 | 8.8% | 5.7% | £135 | 5.4% |
| Base | £793 | 9.5% | 6.4% | £221 | 9.6% |
| Optimistic | £856 | 10.3% | 7.2% | £315 | 14.4% |
| Bull | £936 | 11.2% | 8.1% | £424 | 20.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.52% |
| Net Yield | ●6.41% |
| Net Annual Income | £6,407 |
| Deductions: void 8% (−£762) · mgmt 10% (−£952) · maint 10% (−£952) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£222 |
| Cash-on-Cash Return | ●7.79% |
| 5-Year IRR | ●9.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,631 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £674 | 8.1% | 4.8% | £-5 | -4.5% |
| Conservative | £737 | 8.8% | 5.7% | £135 | 5.4% |
| Base | £793 | 9.5% | 6.4% | £221 | 9.6% |
| Optimistic | £856 | 10.3% | 7.2% | £315 | 14.4% |
| Bull | £936 | 11.2% | 8.1% | £424 | 20.6% |
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