🔒 Sign in to view the address — Swindon
End of Terrace · 3 bed
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Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £245,000. 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 | £4,200 |
| Bathroom | £3,050 |
| Living Room | £1,800 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| 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
- £260,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- 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 | £14,378 | £267,800 | £9,907 | £157 | £7,957 | 9.4% |
| Yr 3 | £15,106 | £284,109 | £10,431 | £1,254 | £25,363 | 29.8% |
| Yr 5 | £15,871 | £301,411 | £10,982 | £3,439 | £44,851 | 52.7% |
| Yr 10 | £17,956 | £349,418 | £12,483 | £14,029 | £103,447 | 121.6% |
| Yr 15 | £20,316 | £405,072 | £14,182 | £32,709 | £177,781 | 208.9% |
| Yr 20 | £22,985 | £469,589 | £16,104 | £60,542 | £270,131 | 317.4% |
| Yr 25 | £26,006 | £544,382 | £18,279 | £98,732 | £383,114 | 450.2% |
| Yr 30 | £29,423 | £631,088 | £20,740 | £148,638 | £519,726 | 610.7% |
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
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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 | £1,019 | 4.7% | 2.9% | £-431 | -13.3% |
| Conservative | £1,115 | 5.1% | 3.4% | £-150 | -2.0% |
| Base | £1,199 | 5.5% | 3.8% | £14 | 2.9% |
| Optimistic | £1,295 | 6.0% | 4.3% | £190 | 8.3% |
| Bull | £1,415 | 6.5% | 4.8% | £388 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.53% |
| Net Yield | ●3.81% |
| Net Annual Income | £9,914 |
| Deductions: void 8% (−£1,150) · mgmt 10% (−£1,438) · maint 10% (−£1,438) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £811 |
| Monthly Cashflow (IO) | ●£15 |
| Cash-on-Cash Return | ●0.19% |
| 5-Year IRR | ●2.9% |
● 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 | £2,613 |
| 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 | £1,019 | 4.7% | 2.9% | £-431 | -13.3% |
| Conservative | £1,115 | 5.1% | 3.4% | £-150 | -2.0% |
| Base | £1,199 | 5.5% | 3.8% | £14 | 2.9% |
| Optimistic | £1,295 | 6.0% | 4.3% | £190 | 8.3% |
| Bull | £1,415 | 6.5% | 4.8% | £388 | 15.2% |
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