🔒 Sign in to view the address — Derby
Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 26% above the area median. Offers anchored to area median of £198,000. 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 | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| Bedroom 4 | £700 |
| Bedroom 5 | £700 |
| 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
- £250,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 1,300–1,400 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 | £27,900 | £257,500 | £19,643 | £10,268 | £17,768 | 21.8% |
| Yr 3 | £29,312 | £273,182 | £20,660 | £32,323 | £55,505 | 68.0% |
| Yr 5 | £30,796 | £289,819 | £21,728 | £56,489 | £96,308 | 118.0% |
| Yr 10 | £34,843 | £335,979 | £24,642 | £126,854 | £212,833 | 260.8% |
| Yr 15 | £39,422 | £389,492 | £27,939 | £212,917 | £352,408 | 431.9% |
| Yr 20 | £44,602 | £451,528 | £31,669 | £316,741 | £518,269 | 635.1% |
| Yr 25 | £50,463 | £523,444 | £35,889 | £440,661 | £714,106 | 875.1% |
| Yr 30 | £57,095 | £606,816 | £40,663 | £587,318 | £944,133 | 1157.0% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,976 | 9.5% | 6.0% | £232 | 1.7% |
| Conservative | £2,162 | 10.4% | 7.1% | £617 | 10.7% |
| Base | £2,325 | 11.2% | 7.9% | £856 | 14.8% |
| Optimistic | £2,511 | 12.1% | 8.7% | £1,118 | 19.4% |
| Bull | £2,744 | 13.2% | 9.8% | £1,423 | 25.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.16% |
| Net Yield | ●7.86% |
| Net Annual Income | £19,643 |
| Deductions: void 8% (−£2,232) · mgmt 10% (−£2,790) · maint 10% (−£2,790) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£857 |
| Cash-on-Cash Return | ●12.58% |
| 5-Year IRR | ●14.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £4,486 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,976 | 9.5% | 6.0% | £232 | 1.7% |
| Conservative | £2,162 | 10.4% | 7.1% | £617 | 10.7% |
| Base | £2,325 | 11.2% | 7.9% | £856 | 14.8% |
| Optimistic | £2,511 | 12.1% | 8.7% | £1,118 | 19.4% |
| Bull | £2,744 | 13.2% | 9.8% | £1,423 | 25.4% |
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