🔒 Sign in to view the address — Exeter
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 42% above the area median. Offers anchored to area median of £282,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,000 |
| Bedroom 2 | £1,000 |
| Bedroom 3 | £1,000 |
| Bedroom 4 | £1,000 |
| Total Estimated Refurb | £13,200 |
⚠ 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 | JMT Wood Build | 07843 437933 | — |
| decorator | SC Decor: Exeter Painter and Decorator | Painter in Exeter, Devon | 07468 181762 | — |
| photographer | Fiona French: Exeter & Devon Newborn, Family & Wedding ... | 07735546021 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- 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 | £23,120 | £412,000 | £16,201 | £1,201 | £13,201 | 9.8% |
| Yr 3 | £24,290 | £437,091 | £17,044 | £4,863 | £41,954 | 31.3% |
| Yr 5 | £25,520 | £463,710 | £17,930 | £10,274 | £73,984 | 55.2% |
| Yr 10 | £28,874 | £537,567 | £20,344 | £32,046 | £169,613 | 126.5% |
| Yr 15 | £32,668 | £623,187 | £23,076 | £66,827 | £290,014 | 216.3% |
| Yr 20 | £36,961 | £722,444 | £26,167 | £116,327 | £438,771 | 327.2% |
| Yr 25 | £41,818 | £837,511 | £29,664 | £182,479 | £619,990 | 462.3% |
| Yr 30 | £47,313 | £970,905 | £33,620 | £267,472 | £838,377 | 625.2% |
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 — South West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,638 | 4.9% | 3.1% | £-597 | -12.8% |
| Conservative | £1,792 | 5.4% | 3.7% | £-158 | -1.7% |
| Base | £1,927 | 5.8% | 4.1% | £100 | 3.0% |
| Optimistic | £2,081 | 6.2% | 4.5% | £378 | 8.4% |
| Bull | £2,274 | 6.8% | 5.1% | £691 | 15.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.78% |
| Net Yield | ●4.05% |
| Net Annual Income | £16,204 |
| Deductions: void 8% (−£1,850) · mgmt 10% (−£2,312) · maint 10% (−£2,312) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£102 |
| Cash-on-Cash Return | ●0.9% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £4,099 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,638 | 4.9% | 3.1% | £-597 | -12.8% |
| Conservative | £1,792 | 5.4% | 3.7% | £-158 | -1.7% |
| Base | £1,927 | 5.8% | 4.1% | £100 | 3.0% |
| Optimistic | £2,081 | 6.2% | 4.5% | £378 | 8.4% |
| Bull | £2,274 | 6.8% | 5.1% | £691 | 15.2% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →