🔒 Sign in to view the address — Northampton
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £900 |
| Bedroom 2 | £900 |
| Bedroom 3 | £900 |
| Bedroom 4 | £900 |
| Total Estimated Refurb | £11,400 |
⚠ 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 | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £230,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £19,941 | £236,900 | £13,913 | £5,288 | £12,188 | 16.2% |
| Yr 3 | £20,951 | £251,327 | £14,639 | £16,948 | £38,276 | 50.9% |
| Yr 5 | £22,011 | £266,633 | £15,403 | £30,118 | £66,751 | 88.8% |
| Yr 10 | £24,904 | £309,101 | £17,486 | £70,153 | £149,254 | 198.5% |
| Yr 15 | £28,176 | £358,333 | £19,842 | £121,408 | £249,741 | 332.1% |
| Yr 20 | £31,879 | £415,406 | £22,508 | £185,358 | £370,764 | 493.0% |
| Yr 25 | £36,068 | £481,569 | £25,524 | £263,671 | £515,240 | 685.2% |
| Yr 30 | £40,807 | £558,270 | £28,936 | £358,234 | £686,504 | 912.9% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 7.4% | 4.6% | £-53 | -4.9% |
| Conservative | £1,546 | 8.1% | 5.5% | £254 | 5.1% |
| Base | £1,662 | 8.7% | 6.0% | £441 | 9.4% |
| Optimistic | £1,795 | 9.4% | 6.7% | £644 | 14.4% |
| Bull | £1,961 | 10.2% | 7.6% | £878 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.67% |
| Net Yield | ●6.05% |
| Net Annual Income | £13,915 |
| Deductions: void 8% (−£1,595) · mgmt 10% (−£1,994) · maint 10% (−£1,994) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£443 |
| Cash-on-Cash Return | ●7.03% |
| 5-Year IRR | ●9.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £3,335 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,413 | 7.4% | 4.6% | £-53 | -4.9% |
| Conservative | £1,546 | 8.1% | 5.5% | £254 | 5.1% |
| Base | £1,662 | 8.7% | 6.0% | £441 | 9.4% |
| Optimistic | £1,795 | 9.4% | 6.7% | £644 | 14.4% |
| Bull | £1,961 | 10.2% | 7.6% | £878 | 20.8% |
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