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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 8% above the area median. Offers anchored to area median of £505,000. 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
- £550,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 2,200–2,300 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 | £31,295 | £566,500 | £22,087 | £1,462 | £17,962 | 9.6% |
| Yr 3 | £32,879 | £601,000 | £23,228 | £6,091 | £57,091 | 30.6% |
| Yr 5 | £34,544 | £637,601 | £24,427 | £13,088 | £100,688 | 54.0% |
| Yr 10 | £39,083 | £739,154 | £27,695 | £41,739 | £230,893 | 123.7% |
| Yr 15 | £44,219 | £856,882 | £31,393 | £87,999 | £394,881 | 211.6% |
| Yr 20 | £50,030 | £993,361 | £35,576 | £154,182 | £597,544 | 320.2% |
| Yr 25 | £56,604 | £1,151,578 | £40,310 | £242,906 | £844,484 | 452.6% |
| Yr 30 | £64,042 | £1,334,994 | £45,665 | £357,133 | £1,142,128 | 612.1% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,215 | 4.8% | 3.1% | £-832 | -13.1% |
| Conservative | £2,424 | 5.3% | 3.6% | £-231 | -2.1% |
| Base | £2,606 | 5.7% | 4.0% | £120 | 2.6% |
| Optimistic | £2,814 | 6.1% | 4.5% | £499 | 8.0% |
| Bull | £3,075 | 6.7% | 5.0% | £925 | 14.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.69% |
| Net Yield | ●4.01% |
| Net Annual Income | £22,071 |
| Deductions: void 8% (−£2,504) · mgmt 10% (−£3,130) · maint 10% (−£3,130) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,715 |
| Monthly Cashflow (IO) | ●£124 |
| Cash-on-Cash Return | ●0.77% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £45,000 |
| SDLT Effective Rate | 8.18% |
| SDLT (Company) | £82,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,125 |
| SPV Annual Saving | £5,520 |
| SPV Breakeven | 6.8 yrs |
| CGT Projected Sale (5yr) | £637,601 |
| Less: Purchase Price | −£550,000 |
| Less: Buying Costs (SDLT + legal) | −£47,600 |
| Less: Selling Costs (est. 2.5%) | −£15,940 |
| = CGT Net Gain (5yr) | £24,061 |
| CGT at 24% | £5,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,215 | 4.8% | 3.1% | £-832 | -13.1% |
| Conservative | £2,424 | 5.3% | 3.6% | £-231 | -2.1% |
| Base | £2,606 | 5.7% | 4.0% | £120 | 2.6% |
| Optimistic | £2,814 | 6.1% | 4.5% | £499 | 8.0% |
| Bull | £3,075 | 6.7% | 5.0% | £925 | 14.8% |
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