🔒 Sign in to view the address — Gloucester
Semi-Detached · 3 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) · South West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,100 |
| Bathroom | £3,000 |
| Living Room | £1,800 |
| Hallway / Stairs | £700 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| 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 | JonesBuild | 07739 506070 | — |
| decorator | P Baldwin Decorator: Expert Painter and Decorator in Gloucester | 07809648652 | — |
| photographer | Gloucester Photographer | Maternity, Newborn & Family | 021-77549761 | — |
Property Details
- Asking Price
- £260,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 sqft
- 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 | £14,144 | £267,800 | £9,739 | £-11 | £7,789 | 9.2% |
| Yr 3 | £14,860 | £284,109 | £10,254 | £736 | £24,845 | 29.2% |
| Yr 5 | £15,612 | £301,411 | £10,796 | £2,554 | £43,965 | 51.7% |
| Yr 10 | £17,664 | £349,418 | £12,273 | £12,142 | £101,560 | 119.3% |
| Yr 15 | £19,985 | £405,072 | £13,944 | £29,688 | £174,760 | 205.4% |
| Yr 20 | £22,611 | £469,589 | £15,835 | £56,239 | £265,828 | 312.4% |
| Yr 25 | £25,583 | £544,382 | £17,974 | £92,977 | £377,359 | 443.4% |
| Yr 30 | £28,944 | £631,088 | £20,395 | £141,241 | £512,329 | 602.0% |
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
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● 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 | £1,002 | 4.6% | 2.8% | £-442 | -13.6% |
| Conservative | £1,096 | 5.1% | 3.4% | £-163 | -2.2% |
| Base | £1,179 | 5.4% | 3.7% | £-1 | 2.7% |
| Optimistic | £1,273 | 5.9% | 4.2% | £174 | 8.2% |
| Bull | £1,391 | 6.4% | 4.7% | £370 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.44% |
| Net Yield | ●3.75% |
| Net Annual Income | £9,742 |
| Deductions: void 8% (−£1,132) · mgmt 10% (−£1,414) · maint 10% (−£1,414) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £811 |
| Monthly Cashflow (IO) | ●£1 |
| Cash-on-Cash Return | ●-0.01% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,950 |
| SPV Annual Saving | £2,577 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,002 | 4.6% | 2.8% | £-442 | -13.6% |
| Conservative | £1,096 | 5.1% | 3.4% | £-163 | -2.2% |
| Base | £1,179 | 5.4% | 3.7% | £-1 | 2.7% |
| Optimistic | £1,273 | 5.9% | 4.2% | £174 | 8.2% |
| Bull | £1,391 | 6.4% | 4.7% | £370 | 15.1% |
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