| # | Property | Form | Value | Mortgage | Equity | Rent p/m | Yield | CF p/m | EPC | Status |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Property A · LS11 Terrace | Residential | £140,000 | £44,542 | £95,458 | £855 | 7.33% | £418 | D | Exp Mar-26 |
| 2 | Property B · LS11 Terrace | Residential | £150,000 | £82,000 | £68,000 | £855 | 6.84% | £285 | E | Exp Jul-26 |
| 3 | Property C · LS11 Terrace | Residential | £140,000 | £69,000 | £71,000 | £855 | 7.33% | £376 | E | Valid |
| 4 | Property D · LS11 Terrace | Residential | £130,000 | £87,271 | £42,729 | £900 | 8.31% | £426 | G | EXPIRED |
| 5 | Property E · LS9 Terrace | Residential | £92,500 | £69,375 | £23,125 | £600 | 7.78% | £290 | E | EXPIRED |
| 6 | Property F · LS9 Terrace | Residential | £130,000 | £97,500 | £32,500 | £765 | 7.06% | £239 | D | Valid 2034 |
| 7 | Property G · LS9 Terrace | Residential | £100,000 | £60,000 | £40,000 | £675 | 8.10% | £457 | D | EXPIRED |
| 8 | Property H · LS11 Terrace | Residential | £93,000 | £62,100 | £30,900 | £675 | 8.71% | £383 | E | Valid 2027 |
| 9 | Property I · LS11 Terrace | Residential | £200,000 | — | £200,000 | £900 | 5.40% | £900 | D | Valid 2033 |
| 10 | Property J · LS11 Terrace | Residential | £100,000 | — | £100,000 | £675 | 8.10% | £675 | E | Exp Jul-26 |
| 11 | Property K · LS8 Mixed-Use | Mixed | £600,000 | — | £600,000 | £1,750 | 3.50% | £1,750 | — | Low Yield |
| 12 | Property L · LS8 Block of Flats | Residential | £500,000 | — | £500,000 | £1,850 | 4.44% | £1,850 | — | OK |
| 13 | Property M · Wakefield Commercial | Commercial | £700,000 | £39,189 | £660,811 | £6,900 | 11.83% | £4,477 | — | Top Performer |
| 14 | Property N · LS7 Apartment | Residential | £300,000 | £2,423 | £297,577 | £900 | 3.60% | £61 | E | EXP + Low |
| 15 | Property O · LS6 Flat | Residential | £60,000 | £3,034 | £56,966 | £600 | 12.00% | £400 | D | Best Yield |
| 16 | Property P · LS9 Commercial (50%) | Commercial | £500,000 | — | £500,000 | — | — | — | — | No Rent |
| 17 | Property Q · LS9 Commercial (30%) | Commercial | £165,000 | — | £165,000 | — | — | — | D | No Rent |
| — | TOTALS (investment portfolio) | £4,100,500 | £616,434 | £3,484,066 | £19,755 | 5.78% | £12,987 |
Addresses anonymised for sample purposes. Real reports include full street-level detail per property. Portfolio composition: 13 residential units (78%), 2 mixed-use (12%), 2 part-owned commercial (10%). Geographic concentration: Leeds LS postcodes 82%, Wakefield 18%.
Issues classified as Urgent (Red) — legal or financial risk requiring immediate action — or Advisory (Amber) — action recommended within 12 months.
It is unlawful to let a property with an EPC rating below E in England. This property carries a G rating with an expired certificate. Immediate action required: commission a new EPC and carry out necessary energy improvements before the next tenancy.
A valid EPC is required for marketing and letting. Renew immediately.
EPC has been expired for over 6 years. Renew immediately to remain legally compliant.
EPC expired February 2024. At a gross yield of 3.6% on a £300,000 asset, this property is significantly underperforming. Review rent level or consider refinancing/disposal.
EPC expires in approximately 4 months. Schedule renewal now to avoid compliance gap.
Two properties have EPCs expiring within 12 months. Plan renewal — consider bundling with upgrade works to target EPC C rating ahead of 2028/2030 regulation.
At £600,000 value, only £1,750/mo (£21,000 p.a.) currently achieved. Several units appear vacant or under refurbishment. Potential annual income once fully let could significantly improve yield. Prioritise letting vacant units.
Part-owned commercial assets (50% and 30% respectively) show no rental income in the schedule. Confirm income is being collected by the majority owner and update the schedule accordingly.
Block of 4 flats currently listed at a single £500,000 estimated value. Individual flat valuations should be confirmed for accurate equity, LTV, and per-unit yield calculations — particularly ahead of any remortgage.
| Rank | Property | Form | Value | Annual Rent | Gross Yield | Rating |
|---|---|---|---|---|---|---|
| 1 | Property O · LS6 Flat | Residential | £60,000 | £7,200 | 12.00% | Excellent |
| 2 | Property M · Wakefield Commercial | Commercial | £700,000 | £82,800 | 11.83% | Excellent |
| 3 | Property H · LS11 Terrace | Residential | £93,000 | £8,100 | 8.71% | Good |
| 4 | Property D · LS11 Terrace | Residential | £130,000 | £10,800 | 8.31% | Good |
| 5 | Property G · LS9 Terrace | Residential | £100,000 | £8,100 | 8.10% | Good |
| 6 | Property J · LS11 Terrace | Residential | £100,000 | £8,100 | 8.10% | Good |
| 7 | Property E · LS9 Terrace | Residential | £92,500 | £7,200 | 7.78% | Good |
| 8–9 | Properties A & C · LS11 Terraces | Residential | £140,000 ea. | £10,260 ea. | 7.33% | Good |
| 10 | Property F · LS9 Terrace | Residential | £130,000 | £9,180 | 7.06% | Good |
| 11 | Property B · LS11 Terrace | Residential | £150,000 | £10,260 | 6.84% | Average |
| 12 | Property I · LS11 Terrace (unencumbered) | Residential | £200,000 | £10,800 | 5.40% | Below Avg |
| 13 | Property L · LS8 Block of Flats | Residential | £500,000* | £22,200 | 4.44% | Low |
| 14 | Property N · LS7 Apartment | Residential | £300,000 | £10,800 | 3.60% | Underperforming |
| 15 | Property K · LS8 Mixed-Use | Mixed | £600,000 | £21,000 | 3.50% | Underperforming |
* Individual flat values not yet recorded; total estimated. Part-owned commercial assets (Properties P & Q) excluded from league table as no rent data.
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