🔒 Sign in to view the address — Abington
Terraced · 2 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) · East Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Total Estimated Refurb | £11,400 |
⚠ 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 | PPM Builders Northampton | 07949 442950 | — |
| decorator | Painters and Decorators Northampton | 07710 971 535 | — |
| photographer | Khandie Photography | 07944 390510 | — |
Property Details
- Asking Price
- £205,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £11,275 | £211,150 | £7,673 | £-14 | £6,136 | 9.1% |
| Yr 3 | £11,846 | £224,009 | £8,084 | £570 | £19,579 | 29.1% |
| Yr 5 | £12,445 | £237,651 | £8,516 | £2,008 | £34,660 | 51.6% |
| Yr 10 | £14,081 | £275,503 | £9,693 | £9,624 | £80,127 | 119.2% |
| Yr 15 | £15,931 | £319,383 | £11,026 | £23,584 | £137,967 | 205.3% |
| Yr 20 | £18,025 | £370,253 | £12,533 | £44,722 | £209,974 | 312.5% |
| Yr 25 | £20,393 | £429,224 | £14,238 | £73,980 | £298,205 | 443.8% |
| Yr 30 | £23,073 | £497,589 | £16,168 | £112,427 | £405,016 | 602.7% |
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 — East Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £798 | 4.7% | 2.8% | £-351 | -13.6% |
| Conservative | £873 | 5.1% | 3.4% | £-130 | -2.2% |
| Base | £939 | 5.5% | 3.7% | £-2 | 2.7% |
| Optimistic | £1,014 | 5.9% | 4.2% | £137 | 8.1% |
| Bull | £1,108 | 6.5% | 4.7% | £293 | 15.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.5% |
| Net Yield | ●3.74% |
| Net Annual Income | £7,668 |
| Deductions: void 8% (−£902) · mgmt 10% (−£1,128) · maint 10% (−£1,128) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £639 |
| Monthly Cashflow (IO) | ●£0 |
| Cash-on-Cash Return | ●-0.03% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,850 |
| SDLT Effective Rate | 5.78% |
| SDLT (Company) | £11,850 |
| Section 24 Extra Tax/yr (higher rate) | £1,538 |
| SPV Annual Saving | £2,068 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £237,651 |
| Less: Purchase Price | −£205,000 |
| Less: Buying Costs (SDLT + legal) | −£14,450 |
| Less: Selling Costs (est. 2.5%) | −£5,941 |
| = CGT Net Gain (5yr) | £12,260 |
| CGT at 24% | £2,222 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £798 | 4.7% | 2.8% | £-351 | -13.6% |
| Conservative | £873 | 5.1% | 3.4% | £-130 | -2.2% |
| Base | £939 | 5.5% | 3.7% | £-2 | 2.7% |
| Optimistic | £1,014 | 5.9% | 4.2% | £137 | 8.1% |
| Bull | £1,108 | 6.5% | 4.7% | £293 | 15.0% |
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