🔒 Sign in to view the address — Derby
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 43% above the area median. Offers anchored to area median of £104,000. 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 | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| 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
- £150,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 600–700 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 | £13,860 | £154,500 | £9,534 | £3,909 | £8,409 | 17.0% |
| Yr 3 | £14,562 | £163,909 | £10,039 | £12,482 | £26,391 | 53.2% |
| Yr 5 | £15,299 | £173,891 | £10,570 | £22,104 | £45,995 | 92.7% |
| Yr 10 | £17,309 | £201,587 | £12,018 | £51,101 | £102,688 | 207.0% |
| Yr 15 | £19,584 | £233,695 | £13,655 | £87,896 | £171,591 | 346.0% |
| Yr 20 | £22,157 | £270,917 | £15,508 | £133,515 | £254,432 | 513.0% |
| Yr 25 | £25,069 | £314,067 | £17,605 | £189,117 | £353,184 | 712.1% |
| Yr 30 | £28,363 | £364,089 | £19,977 | £256,014 | £470,103 | 947.8% |
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 | £982 | 7.9% | 4.8% | £-8 | -4.0% |
| Conservative | £1,074 | 8.6% | 5.7% | £199 | 5.8% |
| Base | £1,155 | 9.2% | 6.4% | £326 | 10.1% |
| Optimistic | £1,247 | 10.0% | 7.1% | £464 | 15.0% |
| Bull | £1,363 | 10.9% | 8.0% | £624 | 21.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.24% |
| Net Yield | ●6.36% |
| Net Annual Income | £9,534 |
| Deductions: void 8% (−£1,109) · mgmt 10% (−£1,386) · maint 10% (−£1,386) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£326 |
| Cash-on-Cash Return | ●7.88% |
| 5-Year IRR | ●10.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,333 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £982 | 7.9% | 4.8% | £-8 | -4.0% |
| Conservative | £1,074 | 8.6% | 5.7% | £199 | 5.8% |
| Base | £1,155 | 9.2% | 6.4% | £326 | 10.1% |
| Optimistic | £1,247 | 10.0% | 7.1% | £464 | 15.0% |
| Bull | £1,363 | 10.9% | 8.0% | £624 | 21.3% |
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