🔒 Sign in to view the address — Peterborough
Semi-Detached · 4 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
AI condition score: 7/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,050 |
| Bathroom | £1,500 |
| Living Room | £900 |
| Hallway / Stairs | £350 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Bedroom 4 | £550 |
| Total Estimated Refurb | £5,750 |
⚠ 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 | GMF Builders | Building and Landscape Maintenance Service ... | 07905 057145 | — |
| photographer | Peterborough wedding and family photographer | Boudoir ... | 04349397800 | — |
Property Details
- Asking Price
- £245,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- 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 | £18,056 | £252,350 | £12,556 | £3,368 | £10,718 | 13.4% |
| Yr 3 | £18,971 | £267,718 | £13,214 | £11,088 | £33,806 | 42.3% |
| Yr 5 | £19,931 | £284,022 | £13,905 | £20,173 | £59,195 | 74.0% |
| Yr 10 | £22,550 | £329,260 | £15,791 | £49,327 | £133,586 | 167.0% |
| Yr 15 | £25,513 | £381,702 | £17,925 | £88,640 | £225,342 | 281.7% |
| Yr 20 | £28,866 | £442,497 | £20,339 | £139,448 | £336,945 | 421.2% |
| Yr 25 | £32,659 | £512,976 | £23,070 | £203,262 | £471,237 | 589.0% |
| Yr 30 | £36,951 | £594,679 | £26,160 | £281,790 | £631,469 | 789.3% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,278 | 6.3% | 3.9% | £-201 | -8.3% |
| Conservative | £1,399 | 6.9% | 4.6% | £100 | 2.2% |
| Base | £1,504 | 7.4% | 5.1% | £280 | 6.7% |
| Optimistic | £1,624 | 8.0% | 5.7% | £476 | 11.9% |
| Bull | £1,775 | 8.7% | 6.4% | £699 | 18.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.37% |
| Net Yield | ●5.12% |
| Net Annual Income | £12,550 |
| Deductions: void 8% (−£1,445) · mgmt 10% (−£1,806) · maint 10% (−£1,806) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£282 |
| Cash-on-Cash Return | ●4.2% |
| 5-Year IRR | ●6.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,838 |
| SPV Annual Saving | £3,097 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,278 | 6.3% | 3.9% | £-201 | -8.3% |
| Conservative | £1,399 | 6.9% | 4.6% | £100 | 2.2% |
| Base | £1,504 | 7.4% | 5.1% | £280 | 6.7% |
| Optimistic | £1,624 | 8.0% | 5.7% | £476 | 11.9% |
| Bull | £1,775 | 8.7% | 6.4% | £699 | 18.5% |
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 →