🔒 Sign in to view the address — Portsmouth
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 15% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £2,350 |
| Bedroom 2 | £2,350 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | Builders in Portsmouth & Southampton | Limewood Builders ... | 023 8218 0519 | — |
| decorator | Painters and Decorators in Portsmouth: Stark and Son | 07446 099673 | — |
| photographer | Musselwhite Photography | 023 9343 0100 | — |
Property Details
- Asking Price
- £180,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £13,410 | £185,400 | £9,210 | £2,460 | £7,860 | 13.3% |
| Yr 3 | £14,089 | £196,691 | £9,699 | £8,111 | £24,802 | 41.9% |
| Yr 5 | £14,802 | £208,669 | £10,213 | £14,776 | £43,445 | 73.4% |
| Yr 10 | £16,747 | £241,905 | £11,613 | £36,221 | £98,126 | 165.8% |
| Yr 15 | £18,948 | £280,434 | £13,198 | £65,211 | £165,645 | 279.8% |
| Yr 20 | £21,438 | £325,100 | £14,990 | £102,739 | £247,839 | 418.6% |
| Yr 25 | £24,255 | £376,880 | £17,019 | £149,925 | £346,805 | 585.8% |
| Yr 30 | £27,442 | £436,907 | £19,313 | £208,039 | £464,947 | 785.4% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £949 | 6.3% | 3.9% | £-151 | -8.5% |
| Conservative | £1,039 | 6.9% | 4.6% | £71 | 2.1% |
| Base | £1,117 | 7.4% | 5.1% | £205 | 6.6% |
| Optimistic | £1,206 | 8.0% | 5.7% | £349 | 11.8% |
| Bull | £1,318 | 8.8% | 6.4% | £515 | 18.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.45% |
| Net Yield | ●5.11% |
| Net Annual Income | £9,206 |
| Deductions: void 8% (−£1,073) · mgmt 10% (−£1,341) · maint 10% (−£1,341) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£206 |
| Cash-on-Cash Return | ●4.15% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,325 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £949 | 6.3% | 3.9% | £-151 | -8.5% |
| Conservative | £1,039 | 6.9% | 4.6% | £71 | 2.1% |
| Base | £1,117 | 7.4% | 5.1% | £205 | 6.6% |
| Optimistic | £1,206 | 8.0% | 5.7% | £349 | 11.8% |
| Bull | £1,318 | 8.8% | 6.4% | £515 | 18.3% |
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