🔒 Sign in to view the address — Derby
Apartment · 8 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 148% above the area median. Offers anchored to area median of £159,000. 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 | £3,600 |
| Bathroom | £2,650 |
| Living Room | £1,550 |
| Master Bedroom | £450 |
| Bedroom 2 | £450 |
| Bedroom 3 | £450 |
| Bedroom 4 | £450 |
| Bedroom 5 | £450 |
| Bedroom 6 | £450 |
| Bedroom 7 | £450 |
| Bedroom 8 | £450 |
| Entrance Hall | £350 |
| 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 | |
|---|---|---|---|
| decorator | Derby House Painter & Decorator, Derby, DE1 2AW | 07441 425139 | — |
| photographer | Lianne Harrison Photography - Derby | 06195004180 | — |
Property Details
- Asking Price
- £395,000
- Property Type
- Apartment
- Bedrooms
- 8
- Number of Units
- 7 units
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £44,003 | £406,850 | £31,237 | £16,425 | £28,275 | 21.4% |
| Yr 3 | £46,231 | £431,627 | £32,841 | £51,670 | £88,297 | 66.7% |
| Yr 5 | £48,571 | £457,913 | £34,526 | £90,244 | £153,158 | 115.7% |
| Yr 10 | £54,954 | £530,847 | £39,122 | £202,372 | £338,219 | 255.5% |
| Yr 15 | £62,175 | £615,397 | £44,321 | £339,260 | £559,657 | 422.9% |
| Yr 20 | £70,345 | £713,414 | £50,204 | £504,160 | £822,574 | 621.5% |
| Yr 25 | £79,589 | £827,042 | £56,859 | £700,754 | £1,132,797 | 855.9% |
| Yr 30 | £90,048 | £958,769 | £64,390 | £933,207 | £1,496,976 | 1131.1% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,117 | 9.5% | 6.0% | £384 | 1.2% |
| Conservative | £3,410 | 10.4% | 7.1% | £992 | 10.1% |
| Base | £3,667 | 11.1% | 7.9% | £1,369 | 14.1% |
| Optimistic | £3,960 | 12.0% | 8.8% | £1,783 | 18.7% |
| Bull | £4,327 | 13.1% | 9.9% | £2,264 | 24.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.14% |
| Net Yield | ●7.91% |
| Net Annual Income | £31,238 |
| Deductions: void 8% (−£3,520) · mgmt 10% (−£4,400) · maint 10% (−£4,400) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,232 |
| Monthly Cashflow (IO) | ●£1,371 |
| Cash-on-Cash Return | ●12.41% |
| 5-Year IRR | ●14.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £29,500 |
| SDLT Effective Rate | 7.47% |
| SDLT (Company) | £29,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,962 |
| SPV Annual Saving | £7,013 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £457,913 |
| Less: Purchase Price | −£395,000 |
| Less: Buying Costs (SDLT + legal) | −£32,100 |
| Less: Selling Costs (est. 2.5%) | −£11,448 |
| = CGT Net Gain (5yr) | £19,365 |
| CGT at 24% | £3,928 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,117 | 9.5% | 6.0% | £384 | 1.2% |
| Conservative | £3,410 | 10.4% | 7.1% | £992 | 10.1% |
| Base | £3,667 | 11.1% | 7.9% | £1,369 | 14.1% |
| Optimistic | £3,960 | 12.0% | 8.8% | £1,783 | 18.7% |
| Bull | £4,327 | 13.1% | 9.9% | £2,264 | 24.7% |
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