🔒 Sign in to view the address — Plymouth
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 38% above the area median. Offers anchored to area median of £224,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,000 |
| Bedroom 2 | £1,000 |
| Bedroom 3 | £1,000 |
| Bedroom 4 | £1,000 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | Premier Builder Plymouth, Exeter, Truro • Classic Builders (SW) Ltd | 01752 696640 | — |
| decorator | Davidsons Decor: Painters and Decorators in Plymouth, Devon | 07773 934926 | — |
| photographer | TC Photography Plymouth LTD | 01752 922024 | — |
Property Details
- Asking Price
- £310,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 | £17,577 | £319,300 | £12,210 | £585 | £9,885 | 9.6% |
| Yr 3 | £18,467 | £338,745 | £12,851 | £2,713 | £31,459 | 30.7% |
| Yr 5 | £19,402 | £359,375 | £13,524 | £6,171 | £55,546 | 54.1% |
| Yr 10 | £21,951 | £416,614 | £15,360 | £21,084 | £127,698 | 124.5% |
| Yr 15 | £24,836 | £482,970 | £17,437 | £45,886 | £218,856 | 213.3% |
| Yr 20 | £28,099 | £559,894 | £19,787 | £81,879 | £331,773 | 323.4% |
| Yr 25 | £31,792 | £649,071 | £22,445 | £130,532 | £469,603 | 457.7% |
| Yr 30 | £35,970 | £752,451 | £25,453 | £193,508 | £635,959 | 619.8% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 4.8% | 3.0% | £-486 | -13.0% |
| Conservative | £1,363 | 5.3% | 3.6% | £-148 | -1.8% |
| Base | £1,466 | 5.7% | 3.9% | £50 | 3.0% |
| Optimistic | £1,583 | 6.1% | 4.4% | £263 | 8.4% |
| Bull | £1,730 | 6.7% | 4.9% | £503 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.67% |
| Net Yield | ●3.94% |
| Net Annual Income | £12,221 |
| Deductions: void 8% (−£1,406) · mgmt 10% (−£1,758) · maint 10% (−£1,758) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £967 |
| Monthly Cashflow (IO) | ●£51 |
| Cash-on-Cash Return | ●0.58% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,000 |
| SDLT Effective Rate | 6.77% |
| SDLT (Company) | £21,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,325 |
| SPV Annual Saving | £3,155 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £359,375 |
| Less: Purchase Price | −£310,000 |
| Less: Buying Costs (SDLT + legal) | −£23,600 |
| Less: Selling Costs (est. 2.5%) | −£8,984 |
| = CGT Net Gain (5yr) | £16,791 |
| CGT at 24% | £3,310 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,246 | 4.8% | 3.0% | £-486 | -13.0% |
| Conservative | £1,363 | 5.3% | 3.6% | £-148 | -1.8% |
| Base | £1,466 | 5.7% | 3.9% | £50 | 3.0% |
| Optimistic | £1,583 | 6.1% | 4.4% | £263 | 8.4% |
| Bull | £1,730 | 6.7% | 4.9% | £503 | 15.2% |
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