🔒 Sign in to view the address — Northampton
Ground Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 10% below the area median — some negotiation possible but limited margin. 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 | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Entrance Hall | £350 |
| 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 | |
|---|---|---|---|
| builder | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £140,000
- Property Type
- Ground Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £11,270 | £144,200 | £7,669 | £2,419 | £6,619 | 14.3% |
| Yr 3 | £11,841 | £152,982 | £8,080 | £7,872 | £20,854 | 44.9% |
| Yr 5 | £12,440 | £162,298 | £8,512 | £14,177 | £36,475 | 78.6% |
| Yr 10 | £14,075 | £188,148 | £9,689 | £33,959 | £82,107 | 177.0% |
| Yr 15 | £15,924 | £218,115 | £11,020 | £60,082 | £138,197 | 297.8% |
| Yr 20 | £18,017 | £252,856 | £12,527 | £93,380 | £206,235 | 444.5% |
| Yr 25 | £20,384 | £293,129 | £14,232 | £134,795 | £287,924 | 620.5% |
| Yr 30 | £23,063 | £339,817 | £16,160 | £185,394 | £385,211 | 830.2% |
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 | £798 | 6.8% | 4.1% | £-87 | -7.3% |
| Conservative | £873 | 7.5% | 4.9% | £93 | 3.1% |
| Base | £939 | 8.0% | 5.5% | £201 | 7.5% |
| Optimistic | £1,014 | 8.7% | 6.1% | £320 | 12.6% |
| Bull | £1,108 | 9.5% | 6.9% | £455 | 19.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.05% |
| Net Yield | ●5.48% |
| Net Annual Income | £7,668 |
| Deductions: void 8% (−£902) · mgmt 10% (−£1,127) · maint 10% (−£1,127) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£202 |
| Cash-on-Cash Return | ●5.21% |
| 5-Year IRR | ●7.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £1,952 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £798 | 6.8% | 4.1% | £-87 | -7.3% |
| Conservative | £873 | 7.5% | 4.9% | £93 | 3.1% |
| Base | £939 | 8.0% | 5.5% | £201 | 7.5% |
| Optimistic | £1,014 | 8.7% | 6.1% | £320 | 12.6% |
| Bull | £1,108 | 9.5% | 6.9% | £455 | 19.1% |
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