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End of Terrace · 7 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 68% above the area median. Offers anchored to area median of £462,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,100 |
| Bathroom | £1,550 |
| Living Room | £900 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| Bedroom 6 | £300 |
| Bedroom 7 | £300 |
| Entrance Hall | £250 |
| Total Estimated Refurb | £5,750 |
⚠ 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 | Elite Building Services | Builders Cambridge | 07482 007 555 | — |
| decorator | Giuseppe Piran: Painters and Decorators Cambridge | 01954 201167 | — |
| photographer | Elodie Giuge Photography | 07944 399893 | — |
Property Details
- Asking Price
- £780,000
- Property Type
- End of Terrace
- Bedrooms
- 7
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 sqft
- 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 | £56,472 | £803,400 | £40,215 | £10,965 | £34,365 | 12.9% |
| Yr 3 | £59,331 | £852,327 | £42,273 | £35,969 | £108,296 | 40.5% |
| Yr 5 | £62,335 | £904,234 | £44,436 | £65,246 | £189,480 | 70.9% |
| Yr 10 | £70,526 | £1,048,255 | £50,334 | £158,578 | £426,832 | 159.8% |
| Yr 15 | £79,793 | £1,215,215 | £57,006 | £283,684 | £718,899 | 269.1% |
| Yr 20 | £90,279 | £1,408,767 | £64,556 | £444,742 | £1,073,508 | 401.9% |
| Yr 25 | £102,142 | £1,633,147 | £73,098 | £646,474 | £1,499,621 | 561.4% |
| Yr 30 | £115,565 | £1,893,265 | £82,762 | £894,227 | £2,007,492 | 751.6% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £4,002 | 6.2% | 3.9% | £-605 | -9.1% |
| Conservative | £4,378 | 6.7% | 4.7% | £347 | 1.1% |
| Base | £4,708 | 7.2% | 5.2% | £915 | 5.7% |
| Optimistic | £5,085 | 7.8% | 5.7% | £1,532 | 10.8% |
| Bull | £5,555 | 8.5% | 6.4% | £2,235 | 17.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.24% |
| Net Yield | ●5.16% |
| Net Annual Income | £40,232 |
| Deductions: void 8% (−£4,518) · mgmt 10% (−£5,647) · maint 10% (−£5,647) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,433 |
| Monthly Cashflow (IO) | ●£920 |
| Cash-on-Cash Return | ●4.11% |
| 5-Year IRR | ●5.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £68,000 |
| SDLT Effective Rate | 8.72% |
| SDLT (Company) | £117,000 |
| Section 24 Extra Tax/yr (higher rate) | £5,850 |
| SPV Annual Saving | £9,483 |
| SPV Breakeven | 5.2 yrs |
| CGT Projected Sale (5yr) | £904,234 |
| Less: Purchase Price | −£780,000 |
| Less: Buying Costs (SDLT + legal) | −£70,600 |
| Less: Selling Costs (est. 2.5%) | −£22,606 |
| = CGT Net Gain (5yr) | £31,028 |
| CGT at 24% | £6,727 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £4,002 | 6.2% | 3.9% | £-605 | -9.1% |
| Conservative | £4,378 | 6.7% | 4.7% | £347 | 1.1% |
| Base | £4,708 | 7.2% | 5.2% | £915 | 5.7% |
| Optimistic | £5,085 | 7.8% | 5.7% | £1,532 | 10.8% |
| Bull | £5,555 | 8.5% | 6.4% | £2,235 | 17.3% |
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