🔒 Sign in to view the address — Cardiff
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Wales rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,300 |
| Bathroom | £2,450 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,650 |
| Bedroom 2 | £1,650 |
| Total Estimated Refurb | £10,560 |
⚠ 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 | FORTY BUILDERS LTD | 07817 269005 | — |
| decorator | Tor Decorators Cardiff | 07776 006790 | — |
| photographer | ZEE Boryczewski Wedding Photographer Cardiff, South Wales, UK | 09435573444 | — |
Property Details
- Asking Price
- £265,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £18,603 | £272,950 | £12,949 | £3,012 | £10,962 | 12.6% |
| Yr 3 | £19,545 | £289,573 | £13,627 | £10,048 | £34,621 | 39.9% |
| Yr 5 | £20,534 | £307,208 | £14,340 | £18,492 | £60,699 | 69.9% |
| Yr 10 | £23,233 | £356,138 | £16,282 | £46,235 | £137,373 | 158.2% |
| Yr 15 | £26,286 | £412,861 | £18,481 | £84,446 | £232,307 | 267.5% |
| Yr 20 | £29,740 | £478,619 | £20,968 | £134,499 | £348,119 | 400.8% |
| Yr 25 | £33,648 | £554,851 | £23,781 | £197,952 | £487,803 | 561.7% |
| Yr 30 | £38,069 | £643,225 | £26,965 | £276,565 | £654,789 | 753.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,318 | 6.0% | 3.7% | £-257 | -9.3% |
| Conservative | £1,442 | 6.5% | 4.4% | £61 | 1.4% |
| Base | £1,550 | 7.0% | 4.9% | £251 | 6.0% |
| Optimistic | £1,674 | 7.6% | 5.4% | £456 | 11.2% |
| Bull | £1,829 | 8.3% | 6.1% | £690 | 17.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.02% |
| Net Yield | ●4.89% |
| Net Annual Income | £12,947 |
| Deductions: void 8% (−£1,488) · mgmt 10% (−£1,860) · maint 10% (−£1,860) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £826 |
| Monthly Cashflow (IO) | ●£253 |
| Cash-on-Cash Return | ●3.47% |
| 5-Year IRR | ●6.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,500 |
| SDLT Effective Rate | 6.23% |
| SDLT (Company) | £16,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,988 |
| SPV Annual Saving | £3,212 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £307,208 |
| Less: Purchase Price | −£265,000 |
| Less: Buying Costs (SDLT + legal) | −£19,100 |
| Less: Selling Costs (est. 2.5%) | −£7,680 |
| = CGT Net Gain (5yr) | £15,428 |
| CGT at 24% | £2,983 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,318 | 6.0% | 3.7% | £-257 | -9.3% |
| Conservative | £1,442 | 6.5% | 4.4% | £61 | 1.4% |
| Base | £1,550 | 7.0% | 4.9% | £251 | 6.0% |
| Optimistic | £1,674 | 7.6% | 5.4% | £456 | 11.2% |
| Bull | £1,829 | 8.3% | 6.1% | £690 | 17.8% |
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