🔒 Sign in to view the address — Abington
Terraced · 3 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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| 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
- 3
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 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 | £13,754 | £236,900 | £9,458 | £833 | £7,733 | 10.3% |
| Yr 3 | £14,450 | £251,327 | £9,959 | £3,248 | £24,575 | 32.7% |
| Yr 5 | £15,182 | £266,633 | £10,486 | £6,703 | £43,336 | 57.6% |
| Yr 10 | £17,177 | £309,101 | £11,922 | £20,246 | £99,347 | 132.1% |
| Yr 15 | £19,434 | £358,333 | £13,548 | £41,528 | £169,860 | 225.9% |
| Yr 20 | £21,988 | £415,406 | £15,386 | £71,566 | £256,971 | 341.7% |
| Yr 25 | £24,877 | £481,569 | £17,467 | £111,510 | £363,079 | 482.8% |
| Yr 30 | £28,146 | £558,270 | £19,820 | £162,663 | £490,934 | 652.8% |
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 | £975 | 5.1% | 3.1% | £-338 | -12.1% |
| Conservative | £1,067 | 5.6% | 3.7% | £-81 | -1.0% |
| Base | £1,147 | 6.0% | 4.1% | £70 | 3.8% |
| Optimistic | £1,239 | 6.5% | 4.6% | £233 | 9.2% |
| Bull | £1,353 | 7.1% | 5.2% | £417 | 16.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.98% |
| Net Yield | ●4.12% |
| Net Annual Income | £9,465 |
| Deductions: void 8% (−£1,100) · mgmt 10% (−£1,375) · maint 10% (−£1,375) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£72 |
| Cash-on-Cash Return | ●1.12% |
| 5-Year IRR | ●3.8% |
● 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 | £2,469 |
| 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 | £975 | 5.1% | 3.1% | £-338 | -12.1% |
| Conservative | £1,067 | 5.6% | 3.7% | £-81 | -1.0% |
| Base | £1,147 | 6.0% | 4.1% | £70 | 3.8% |
| Optimistic | £1,239 | 6.5% | 4.6% | £233 | 9.2% |
| Bull | £1,353 | 7.1% | 5.2% | £417 | 16.0% |
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