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EXAMPLE DEALS

Example deals. A clearer picture.

Explore local buy-to-let, refurbishment and refinance examples, with the figures and assumptions behind each approach.

Charles Street property in Darlington

BUY TO LET · EXAMPLE DEAL

Charles Street

A three-bedroom terrace in Darlington, modelled with a light refurbishment and a rental strategy.

Purchase Price
£73,000
Refurb
£5,000
Estimated rent
£750 pcm

Projected returns

Monthly cashflow
£415
Annual cashflow
£4,980
Gross yield · purchase price
12.3%
ROCE
16.4%
Cash invested
£30,352

Guide appraisal figures, before tax, using 4% interest-only finance. Sourcing fees are excluded. ROCE is annual cashflow divided by cash invested. No refinance is assumed.

Westmoreland Street property in Darlington

BUY · REFURBISH · REFINANCE · EXAMPLE DEAL

Westmoreland Street

A three-bedroom Darlington terrace assessed for refurbishment and a potential refinance.

Purchase Price
£70,000
Refurb
£16,000
Estimated rent
£795 pcm
Estimated end value
£110,000

Projected returns

Monthly cashflow
£321
Annual cashflow
£3,852
Gross yield · end value
8.7%
ROCE
39.3%
Cash left in after refinance
£9,808

Guide appraisal figures, before tax, using 4% interest-only finance. Sourcing fees are excluded. ROCE is annual cashflow divided by cash left in after refinance. Cash left in depends on achieving the projected refinance.

MORE LOCAL PROJECTS

Further examples.

Selected figures from earlier project notes, alongside a completed refurbishment breakdown.

Front exterior of the Greenbank Road example property

Buy · Refurbish · Refinance

Greenbank Road

A lower purchase price with a £20,000 refurbishment budget, assessed against a projected £95,000 end value.

Purchase Price
£46,900
Refurb
£20,000
Projected end value
£95,000
Projected rent
£695 pcm
Annual gross rent
£8,340
Gross yield · end value
8.8%
Earlier cash-left-in estimate
Just over £3,000
Earlier ROCE estimate
100%+

Historical planning figures. The cash-left-in and ROCE estimates were indicative; the complete finance and cost breakdown is not available here. They are not confirmed refinance or achieved return figures.

Front exterior of the Brighton Road example property

Buy · Refurbish · Refinance

Brighton Road

A £70,000 purchase scenario with a £10,000 refurbishment allowance and projected rental income of £750 per month.

Purchase Price
£70,000
Refurb
£10,000
Projected end value
£95,000
Projected rent
£750 pcm
Annual gross rent
£9,000
Gross yield · end value
9.5%
Earlier cash-left-in estimate
£15,000
Earlier ROCE estimate
28.7%

Historical planning figures. Cash retained and ROCE are estimates from the original project notes, not achieved results. A full appraisal is needed to confirm finance terms, operating costs and fees.

Front exterior of the Hercules Street example property

Buy · Refurbish · Refinance

Hercules Street

An example of assessing the value that refurbishment could add to a property purchased at £55,000.

Purchase Price
£55,000
Refurb
£15,000
Buying-cost allowance
£3,625
Finance-fee allowance
£1,000
Projected end value
£95,000

Selected historical budget inputs. The original total-cost and cash-retention notes need reconciliation, so no cash-left-in or return figure is presented. These allowances are not a complete project budget.

Front exterior of the Yarm Road refurbishment property

REFURBISHMENT CASE STUDY

360 Yarm Road

A completed refurbishment covering the kitchen, bathroom, plastering, electrical work and finishes throughout.

Refurbishment budget
£20,000
Included contingency
£2,000
See the refurbishment breakdown
Strip-out
£750
Electrical works
£1,000
Gas safety and boiler service
£250
Plastering
£4,000
Kitchen
£4,000
Bathroom
£2,000
Woodwork, repairs and sundries
£2,000
Decorating
£1,750
Carpets
£1,750
Final cleaning and gardening
£500
Contingency
£2,000

360 YARM ROAD

From stripping back and plastering to the finished kitchen, shower room and bedrooms. Explore the project at each stage.

Kitchen with new units and flooring at Yarm Road
AfterKitchen with new units and flooring
Finished kitchen looking towards the garden at Yarm Road
AfterFinished kitchen looking towards the garden
Finished shower room at Yarm Road
AfterFinished shower room
Decorated living room with new carpet at Yarm Road
AfterDecorated living room with new carpet
Finished front bedroom with mirrored wardrobes at Yarm Road
AfterFinished front bedroom with mirrored wardrobes
Finished rear bedroom with fitted wardrobes at Yarm Road
AfterFinished rear bedroom with fitted wardrobes
Finished smaller bedroom at Yarm Road
AfterFinished smaller bedroom

Select a photograph to see the full image.

Annual gross rent is monthly rent × 12. Gross yield is annual gross rent ÷ projected end value, before any costs. Gross rent is not net cashflow.

Read the figures in context.

These examples combine figures from the investor guide and project notes. Projected returns are not achieved results, current valuations or available offers. The figures above are selected inputs, not an all-in project budget. Sourcing fees and other acquisition, holding, finance and project-management costs need to be included in a fresh appraisal.

A refinance and any capital release depend on lender criteria and valuation. Read the investment guide for the wider context and discuss current opportunities with us.

Explore the investor guides

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