🔒 Sign in to view the address — Swindon
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 16% 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 West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,200 |
| Bathroom | £3,050 |
| Living Room | £1,800 |
| Master Bedroom | £4,200 |
| Entrance Hall | £450 |
| 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 | Complete Construction Swindon is a residential construction and ... | 07881963867 | — |
| decorator | Cook'S Decorating: Decorators In Swindon | 07795 154599 | — |
| photographer | Newborn Family Photographer | Jo-Jo Photography | Swindon | 07990 543765 | — |
Property Details
- Asking Price
- £100,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £9,700 | £103,000 | £6,539 | £2,789 | £5,789 | 17.0% |
| Yr 3 | £10,191 | £109,273 | £6,893 | £8,895 | £18,168 | 53.3% |
| Yr 5 | £10,707 | £115,927 | £7,264 | £15,735 | £31,663 | 92.9% |
| Yr 10 | £12,114 | £134,392 | £8,277 | £36,294 | £70,686 | 207.3% |
| Yr 15 | £13,706 | £155,797 | £9,423 | £62,312 | £118,108 | 346.4% |
| Yr 20 | £15,507 | £180,611 | £10,720 | £94,504 | £175,115 | 513.5% |
| Yr 25 | £17,545 | £209,378 | £12,187 | £133,683 | £243,061 | 712.8% |
| Yr 30 | £19,850 | £242,726 | £13,847 | £180,766 | £323,493 | 948.7% |
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 | £687 | 8.2% | 4.9% | £3 | -4.0% |
| Conservative | £751 | 9.0% | 5.9% | £145 | 5.8% |
| Base | £808 | 9.7% | 6.5% | £232 | 10.0% |
| Optimistic | £873 | 10.5% | 7.3% | £327 | 14.8% |
| Bull | £953 | 11.4% | 8.3% | £438 | 20.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.7% |
| Net Yield | ●6.54% |
| Net Annual Income | £6,536 |
| Deductions: void 8% (−£776) · mgmt 10% (−£970) · maint 10% (−£970) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£233 |
| Cash-on-Cash Return | ●8.17% |
| 5-Year IRR | ●10.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,657 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £687 | 8.2% | 4.9% | £3 | -4.0% |
| Conservative | £751 | 9.0% | 5.9% | £145 | 5.8% |
| Base | £808 | 9.7% | 6.5% | £232 | 10.0% |
| Optimistic | £873 | 10.5% | 7.3% | £327 | 14.8% |
| Bull | £953 | 11.4% | 8.3% | £438 | 20.9% |
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