🔒 Sign in to view the address — Bradford
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 59% above the area median. Offers anchored to area median of £138,000. 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 | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| 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 | Qazi Builders | 07964 582567 | — |
| decorator | C. F. Jones & Son, Bradford: Decorators | 07947 828500 | — |
| photographer | Ruth Agbolade Photography | 07517 815045 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £13,134 | £226,600 | £9,011 | £761 | £7,361 | 10.2% |
| Yr 3 | £13,799 | £240,400 | £9,490 | £3,000 | £23,400 | 32.5% |
| Yr 5 | £14,497 | £255,040 | £9,993 | £6,231 | £41,272 | 57.3% |
| Yr 10 | £16,403 | £295,662 | £11,365 | £18,995 | £94,656 | 131.5% |
| Yr 15 | £18,558 | £342,753 | £12,917 | £39,148 | £161,901 | 224.9% |
| Yr 20 | £20,997 | £397,344 | £14,673 | £67,663 | £245,007 | 340.3% |
| Yr 25 | £23,756 | £460,631 | £16,659 | £105,637 | £346,268 | 480.9% |
| Yr 30 | £26,878 | £533,998 | £18,907 | £154,315 | £468,313 | 650.4% |
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 | £930 | 5.1% | 3.1% | £-326 | -12.2% |
| Conservative | £1,017 | 5.5% | 3.7% | £-81 | -1.0% |
| Base | £1,094 | 6.0% | 4.1% | £63 | 3.7% |
| Optimistic | £1,182 | 6.4% | 4.6% | £218 | 9.1% |
| Bull | £1,291 | 7.0% | 5.1% | £394 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.97% |
| Net Yield | ●4.09% |
| Net Annual Income | £9,007 |
| Deductions: void 8% (−£1,051) · mgmt 10% (−£1,313) · maint 10% (−£1,313) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£65 |
| Cash-on-Cash Return | ●1.05% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,362 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £930 | 5.1% | 3.1% | £-326 | -12.2% |
| Conservative | £1,017 | 5.5% | 3.7% | £-81 | -1.0% |
| Base | £1,094 | 6.0% | 4.1% | £63 | 3.7% |
| Optimistic | £1,182 | 6.4% | 4.6% | £218 | 9.1% |
| Bull | £1,291 | 7.0% | 5.1% | £394 | 15.9% |
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