🔒 Sign in to view the address — Bradford
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £92,000. 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 | £1,700 |
| Bedroom 2 | £1,700 |
| 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
- £120,000
- Property Type
- Terraced
- Bedrooms
- 2
- Number of Units
- 2 units
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £13,800 | £123,600 | £9,491 | £4,991 | £8,591 | 21.4% |
| Yr 3 | £14,499 | £131,127 | £9,994 | £15,724 | £26,852 | 67.0% |
| Yr 5 | £15,233 | £139,113 | £10,522 | £27,502 | £46,615 | 116.2% |
| Yr 10 | £17,234 | £161,270 | £11,964 | £61,867 | £103,137 | 257.2% |
| Yr 15 | £19,499 | £186,956 | £13,594 | £103,997 | £170,953 | 426.3% |
| Yr 20 | £22,061 | £216,733 | £15,439 | £154,912 | £251,645 | 627.5% |
| Yr 25 | £24,960 | £251,253 | £17,527 | £215,767 | £347,020 | 865.4% |
| Yr 30 | £28,240 | £291,271 | £19,888 | £287,867 | £459,139 | 1145.0% |
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 | £978 | 9.8% | 6.0% | £111 | 1.3% |
| Conservative | £1,070 | 10.7% | 7.1% | £299 | 10.4% |
| Base | £1,150 | 11.5% | 7.9% | £416 | 14.4% |
| Optimistic | £1,242 | 12.4% | 8.8% | £544 | 19.0% |
| Bull | £1,357 | 13.6% | 9.9% | £694 | 24.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.5% |
| Net Yield | ●7.91% |
| Net Annual Income | £9,491 |
| Deductions: void 8% (−£1,104) · mgmt 10% (−£1,380) · maint 10% (−£1,380) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£417 |
| Cash-on-Cash Return | ●12.45% |
| 5-Year IRR | ●14.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £2,268 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £978 | 9.8% | 6.0% | £111 | 1.3% |
| Conservative | £1,070 | 10.7% | 7.1% | £299 | 10.4% |
| Base | £1,150 | 11.5% | 7.9% | £416 | 14.4% |
| Optimistic | £1,242 | 12.4% | 8.8% | £544 | 19.0% |
| Bull | £1,357 | 13.6% | 9.9% | £694 | 24.9% |
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