🔒 Sign in to view the address — York
Town House · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 36% above the area median. Offers anchored to area median of £275,000. 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 | Builder in York | High Spec Extensions & Alterations | 01904 593544 | — |
| decorator | Painter & Decorators York - York Decorator | 01904 626920 | — |
| photographer | Sarah Burton Photography | 07822 010126 | — |
Property Details
- Asking Price
- £375,000
- Property Type
- Town House
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £20,588 | £386,250 | £14,378 | £316 | £11,566 | 9.2% |
| Yr 3 | £21,630 | £409,773 | £15,128 | £2,067 | £36,840 | 29.4% |
| Yr 5 | £22,725 | £434,728 | £15,917 | £5,377 | £65,105 | 51.9% |
| Yr 10 | £25,711 | £503,969 | £18,067 | £20,993 | £149,961 | 119.6% |
| Yr 15 | £29,090 | £584,238 | £20,500 | £48,192 | £257,430 | 205.4% |
| Yr 20 | £32,912 | £677,292 | £23,252 | £88,498 | £390,790 | 311.8% |
| Yr 25 | £37,237 | £785,167 | £26,366 | £143,633 | £553,800 | 441.8% |
| Yr 30 | £42,130 | £910,223 | £29,889 | £215,545 | £750,768 | 598.9% |
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 | £1,458 | 4.7% | 2.9% | £-613 | -13.6% |
| Conservative | £1,595 | 5.1% | 3.5% | £-210 | -2.4% |
| Base | £1,715 | 5.5% | 3.8% | £26 | 2.5% |
| Optimistic | £1,852 | 5.9% | 4.3% | £279 | 7.9% |
| Bull | £2,024 | 6.5% | 4.8% | £563 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.49% |
| Net Yield | ●3.83% |
| Net Annual Income | £14,373 |
| Deductions: void 8% (−£1,647) · mgmt 10% (−£2,059) · maint 10% (−£2,059) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£28 |
| Cash-on-Cash Return | ●0.25% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,813 |
| SPV Annual Saving | £3,695 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,458 | 4.7% | 2.9% | £-613 | -13.6% |
| Conservative | £1,595 | 5.1% | 3.5% | £-210 | -2.4% |
| Base | £1,715 | 5.5% | 3.8% | £26 | 2.5% |
| Optimistic | £1,852 | 5.9% | 4.3% | £279 | 7.9% |
| Bull | £2,024 | 6.5% | 4.8% | £563 | 14.7% |
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