🔒 Sign in to view the address — Hull
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 36% 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 | Building Contractor in Hull, House Extensions in Hull | 01482 714 371 | — |
| decorator | Painting and decorating from Mike Walker Painter & Decorator in Hull | 07792 262 861 | — |
| photographer | Darryl Brooks Photography | 07762 484541 | — |
Property Details
- Asking Price
- £95,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- 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 | £8,674 | £97,850 | £5,800 | £2,237 | £5,087 | 15.6% |
| Yr 3 | £9,113 | £103,809 | £6,116 | £7,185 | £15,994 | 49.1% |
| Yr 5 | £9,574 | £110,131 | £6,448 | £12,788 | £27,919 | 85.6% |
| Yr 10 | £10,832 | £127,672 | £7,354 | £29,889 | £62,561 | 191.9% |
| Yr 15 | £12,255 | £148,007 | £8,379 | £51,871 | £104,878 | 321.7% |
| Yr 20 | £13,866 | £171,581 | £9,538 | £79,374 | £155,955 | 478.4% |
| Yr 25 | £15,688 | £198,909 | £10,850 | £113,125 | £217,034 | 665.7% |
| Yr 30 | £17,750 | £230,590 | £12,335 | £153,944 | £289,534 | 888.1% |
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 | £615 | 7.8% | 4.6% | £-24 | -5.7% |
| Conservative | £672 | 8.5% | 5.5% | £107 | 4.3% |
| Base | £723 | 9.1% | 6.1% | £187 | 8.6% |
| Optimistic | £781 | 9.9% | 6.8% | £274 | 13.5% |
| Bull | £853 | 10.8% | 7.7% | £374 | 19.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.13% |
| Net Yield | ●6.11% |
| Net Annual Income | £5,802 |
| Deductions: void 8% (−£694) · mgmt 10% (−£867) · maint 10% (−£867) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£188 |
| Cash-on-Cash Return | ●6.87% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,750 |
| Section 24 Extra Tax/yr (higher rate) | £712 |
| SPV Annual Saving | £1,504 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,131 |
| Less: Purchase Price | −£95,000 |
| Less: Buying Costs (SDLT + legal) | −£7,350 |
| Less: Selling Costs (est. 2.5%) | −£2,753 |
| = CGT Net Gain (5yr) | £5,028 |
| CGT at 24% | £487 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £615 | 7.8% | 4.6% | £-24 | -5.7% |
| Conservative | £672 | 8.5% | 5.5% | £107 | 4.3% |
| Base | £723 | 9.1% | 6.1% | £187 | 8.6% |
| Optimistic | £781 | 9.9% | 6.8% | £274 | 13.5% |
| Bull | £853 | 10.8% | 7.7% | £374 | 19.7% |
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