🔒 Sign in to view the address — Bradford
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 20% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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
- £105,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- 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 | £9,513 | £108,150 | £6,404 | £2,467 | £5,617 | 15.8% |
| Yr 3 | £9,995 | £114,736 | £6,751 | £7,919 | £17,655 | 49.6% |
| Yr 5 | £10,501 | £121,724 | £7,115 | £14,090 | £30,814 | 86.6% |
| Yr 10 | £11,880 | £141,111 | £8,109 | £32,911 | £69,022 | 193.9% |
| Yr 15 | £13,442 | £163,587 | £9,233 | £57,085 | £115,671 | 324.9% |
| Yr 20 | £15,208 | £189,642 | £10,505 | £87,315 | £171,956 | 483.0% |
| Yr 25 | £17,206 | £219,847 | £11,944 | £124,396 | £239,243 | 672.0% |
| Yr 30 | £19,467 | £254,863 | £13,572 | £169,230 | £319,093 | 896.3% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £674 | 7.7% | 4.6% | £-26 | -5.5% |
| Conservative | £737 | 8.4% | 5.5% | £118 | 4.6% |
| Base | £793 | 9.1% | 6.1% | £206 | 8.9% |
| Optimistic | £856 | 9.8% | 6.8% | £301 | 13.8% |
| Bull | £936 | 10.7% | 7.7% | £412 | 20.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.06% |
| Net Yield | ●6.1% |
| Net Annual Income | £6,407 |
| Deductions: void 8% (−£761) · mgmt 10% (−£951) · maint 10% (−£951) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£207 |
| Cash-on-Cash Return | ●6.94% |
| 5-Year IRR | ●8.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,250 |
| Section 24 Extra Tax/yr (higher rate) | £788 |
| SPV Annual Saving | £1,641 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £121,724 |
| Less: Purchase Price | −£105,000 |
| Less: Buying Costs (SDLT + legal) | −£7,850 |
| Less: Selling Costs (est. 2.5%) | −£3,043 |
| = CGT Net Gain (5yr) | £5,831 |
| CGT at 24% | £679 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £674 | 7.7% | 4.6% | £-26 | -5.5% |
| Conservative | £737 | 8.4% | 5.5% | £118 | 4.6% |
| Base | £793 | 9.1% | 6.1% | £206 | 8.9% |
| Optimistic | £856 | 9.8% | 6.8% | £301 | 13.8% |
| Bull | £936 | 10.7% | 7.7% | £412 | 20.0% |
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