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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £551,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,350 |
| Bedroom 2 | £1,350 |
| Bedroom 3 | £1,350 |
| Bedroom 4 | £1,350 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | Raaz Constructions Limited: Construction Company in Uxbridge | 08001337331 | — |
| decorator | Painters & Decorators Uxbridge - Decorwise | London | +447501148912 | — |
Property Details
- Asking Price
- £580,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £31,262 | £597,400 | £22,064 | £314 | £17,714 | 9.0% |
| Yr 3 | £32,845 | £633,782 | £23,203 | £2,643 | £56,425 | 28.6% |
| Yr 5 | £34,507 | £672,379 | £24,400 | £7,338 | £99,717 | 50.6% |
| Yr 10 | £39,042 | £779,472 | £27,665 | £30,223 | £229,694 | 116.5% |
| Yr 15 | £44,172 | £903,621 | £31,359 | £70,698 | £394,319 | 200.1% |
| Yr 20 | £49,977 | £1,047,545 | £35,538 | £131,076 | £598,620 | 303.7% |
| Yr 25 | £56,544 | £1,214,391 | £40,267 | £213,970 | £848,361 | 430.4% |
| Yr 30 | £63,975 | £1,407,812 | £45,617 | £322,340 | £1,150,152 | 583.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,215 | 4.6% | 2.9% | £-954 | -13.9% |
| Conservative | £2,424 | 5.0% | 3.4% | £-334 | -2.8% |
| Base | £2,606 | 5.4% | 3.8% | £27 | 2.0% |
| Optimistic | £2,814 | 5.8% | 4.2% | £414 | 7.4% |
| Bull | £3,075 | 6.4% | 4.8% | £850 | 14.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.39% |
| Net Yield | ●3.81% |
| Net Annual Income | £22,071 |
| Deductions: void 8% (−£2,501) · mgmt 10% (−£3,126) · maint 10% (−£3,126) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,809 |
| Monthly Cashflow (IO) | ●£30 |
| Cash-on-Cash Return | ●0.16% |
| 5-Year IRR | ●2.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £48,000 |
| SDLT Effective Rate | 8.28% |
| SDLT (Company) | £87,000 |
| Section 24 Extra Tax/yr (higher rate) | £4,350 |
| SPV Annual Saving | £5,577 |
| SPV Breakeven | 7.0 yrs |
| CGT Projected Sale (5yr) | £672,379 |
| Less: Purchase Price | −£580,000 |
| Less: Buying Costs (SDLT + legal) | −£50,600 |
| Less: Selling Costs (est. 2.5%) | −£16,809 |
| = CGT Net Gain (5yr) | £24,970 |
| CGT at 24% | £5,273 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,215 | 4.6% | 2.9% | £-954 | -13.9% |
| Conservative | £2,424 | 5.0% | 3.4% | £-334 | -2.8% |
| Base | £2,606 | 5.4% | 3.8% | £27 | 2.0% |
| Optimistic | £2,814 | 5.8% | 4.2% | £414 | 7.4% |
| Bull | £3,075 | 6.4% | 4.8% | £850 | 14.2% |
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