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House · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 46% above the area median. Offers anchored to area median of £400,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £1,900 |
| Living Room | £1,150 |
| Hallway / Stairs | £400 |
| Master Bedroom | £650 |
| Bedroom 2 | £650 |
| Bedroom 3 | £650 |
| Bedroom 4 | £650 |
| Total Estimated Refurb | £7,250 |
⚠ 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 | Builders East London: Your First Call for General Builders ... | 0203 305 7656 | — |
| decorator | Expert Residential & Commercial Painting Services in London | 07712680424 | — |
| photographer | Vistolia Photography Hackney | 07709 654594 | — |
Property Details
- Asking Price
- £585,000
- Property Type
- House
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,500–1,600 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 | £31,824 | £602,550 | £22,468 | £531 | £18,081 | 9.1% |
| Yr 3 | £33,435 | £639,245 | £23,628 | £3,325 | £57,570 | 29.0% |
| Yr 5 | £35,128 | £678,175 | £24,847 | £8,527 | £101,703 | 51.1% |
| Yr 10 | £39,744 | £786,191 | £28,171 | £32,881 | £234,072 | 117.7% |
| Yr 15 | £44,966 | £911,411 | £31,931 | £75,142 | £401,553 | 201.9% |
| Yr 20 | £50,875 | £1,056,575 | £36,185 | £137,662 | £609,237 | 306.4% |
| Yr 25 | £57,561 | £1,224,860 | £40,999 | £223,104 | £862,964 | 434.0% |
| Yr 30 | £65,125 | £1,419,949 | £46,445 | £334,480 | £1,169,428 | 588.1% |
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
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● 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 | £2,252 | 4.6% | 2.9% | £-950 | -13.8% |
| Conservative | £2,464 | 5.1% | 3.5% | £-323 | -2.7% |
| Base | £2,650 | 5.4% | 3.8% | £43 | 2.1% |
| Optimistic | £2,862 | 5.9% | 4.3% | £435 | 7.5% |
| Bull | £3,127 | 6.4% | 4.8% | £877 | 14.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.44% |
| Net Yield | ●3.84% |
| Net Annual Income | £22,451 |
| Deductions: void 8% (−£2,546) · mgmt 10% (−£3,182) · maint 10% (−£3,182) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,824 |
| Monthly Cashflow (IO) | ●£47 |
| Cash-on-Cash Return | ●0.26% |
| 5-Year IRR | ●2.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £48,500 |
| SDLT Effective Rate | 8.29% |
| SDLT (Company) | £87,750 |
| Section 24 Extra Tax/yr (higher rate) | £4,388 |
| SPV Annual Saving | £5,660 |
| SPV Breakeven | 6.9 yrs |
| CGT Projected Sale (5yr) | £678,175 |
| Less: Purchase Price | −£585,000 |
| Less: Buying Costs (SDLT + legal) | −£51,100 |
| Less: Selling Costs (est. 2.5%) | −£16,954 |
| = CGT Net Gain (5yr) | £25,121 |
| CGT at 24% | £5,309 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,252 | 4.6% | 2.9% | £-950 | -13.8% |
| Conservative | £2,464 | 5.1% | 3.5% | £-323 | -2.7% |
| Base | £2,650 | 5.4% | 3.8% | £43 | 2.1% |
| Optimistic | £2,862 | 5.9% | 4.3% | £435 | 7.5% |
| Bull | £3,127 | 6.4% | 4.8% | £877 | 14.3% |
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