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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,050 |
| Bathroom | £1,500 |
| Living Room | £900 |
| Hallway / Stairs | £350 |
| Master Bedroom | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| 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 | Lexden Builders: Colchester Builders with 30+ Years' Experience | 01206 577591 | — |
| decorator | Painter And Decorator In Colchester | Coopersons | 01206 580500 | — |
| photographer | D&A Photography | 07793 444758 | — |
Property Details
- Asking Price
- £280,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- 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 | £15,848 | £288,400 | £10,966 | £466 | £8,866 | 9.6% |
| Yr 3 | £16,650 | £305,964 | £11,543 | £2,260 | £28,223 | 30.6% |
| Yr 5 | £17,493 | £324,597 | £12,150 | £5,253 | £49,849 | 54.1% |
| Yr 10 | £19,792 | £376,297 | £13,805 | £18,387 | £114,683 | 124.5% |
| Yr 15 | £22,393 | £436,231 | £15,678 | £40,438 | £196,669 | 213.5% |
| Yr 20 | £25,335 | £505,711 | £17,796 | £72,579 | £298,290 | 323.9% |
| Yr 25 | £28,665 | £586,258 | £20,194 | £116,134 | £422,392 | 458.6% |
| Yr 30 | £32,431 | £679,633 | £22,906 | £172,604 | £572,238 | 621.3% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,122 | 4.8% | 3.0% | £-445 | -13.0% |
| Conservative | £1,228 | 5.3% | 3.5% | £-140 | -1.8% |
| Base | £1,320 | 5.7% | 3.9% | £38 | 3.1% |
| Optimistic | £1,426 | 6.1% | 4.4% | £230 | 8.5% |
| Bull | £1,558 | 6.7% | 4.9% | £447 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.66% |
| Net Yield | ●3.91% |
| Net Annual Income | £10,960 |
| Deductions: void 8% (−£1,268) · mgmt 10% (−£1,585) · maint 10% (−£1,585) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £873 |
| Monthly Cashflow (IO) | ●£40 |
| Cash-on-Cash Return | ●0.5% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £2,854 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,122 | 4.8% | 3.0% | £-445 | -13.0% |
| Conservative | £1,228 | 5.3% | 3.5% | £-140 | -1.8% |
| Base | £1,320 | 5.7% | 3.9% | £38 | 3.1% |
| Optimistic | £1,426 | 6.1% | 4.4% | £230 | 8.5% |
| Bull | £1,558 | 6.7% | 4.9% | £447 | 15.3% |
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