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House · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 42% above the area median. Offers anchored to area median of £385,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £450 |
| Hallway / Stairs | £200 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Bedroom 4 | £250 |
| Total Estimated Refurb | £2,900 |
⚠ 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 | Building Services Ilford, IG1 - Rob The Builder | 020 3952 3265 | — |
| decorator | Painter and decorator Ilford, Loxford, IG1. Call Now 020 8719 0128. | 02087190128 | — |
| photographer | AD Photo Studio | 020 8478 6454 | — |
Property Details
- Asking Price
- £550,000
- Property Type
- House
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- 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 | £30,030 | £566,500 | £21,177 | £552 | £17,052 | 9.1% |
| Yr 3 | £31,550 | £601,000 | £22,271 | £3,290 | £54,290 | 29.1% |
| Yr 5 | £33,148 | £637,601 | £23,421 | £8,300 | £95,901 | 51.4% |
| Yr 10 | £37,503 | £739,154 | £26,557 | £31,535 | £220,689 | 118.3% |
| Yr 15 | £42,432 | £856,882 | £30,106 | £71,667 | £378,549 | 202.9% |
| Yr 20 | £48,007 | £993,361 | £34,120 | £130,916 | £574,278 | 307.8% |
| Yr 25 | £54,316 | £1,151,578 | £38,663 | £211,796 | £813,373 | 435.9% |
| Yr 30 | £61,454 | £1,334,994 | £43,802 | £317,147 | £1,102,141 | 590.6% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,128 | 4.6% | 2.9% | £-888 | -13.7% |
| Conservative | £2,329 | 5.1% | 3.5% | £-298 | -2.6% |
| Base | £2,504 | 5.5% | 3.9% | £47 | 2.2% |
| Optimistic | £2,704 | 5.9% | 4.3% | £417 | 7.6% |
| Bull | £2,955 | 6.4% | 4.8% | £834 | 14.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.46% |
| Net Yield | ●3.85% |
| Net Annual Income | £21,190 |
| Deductions: void 8% (−£2,402) · mgmt 10% (−£3,003) · maint 10% (−£3,003) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,715 |
| Monthly Cashflow (IO) | ●£51 |
| Cash-on-Cash Return | ●0.3% |
| 5-Year IRR | ●2.2% |
● 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 | £5,349 |
| SPV Breakeven | 7.0 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 | £2,128 | 4.6% | 2.9% | £-888 | -13.7% |
| Conservative | £2,329 | 5.1% | 3.5% | £-298 | -2.6% |
| Base | £2,504 | 5.5% | 3.9% | £47 | 2.2% |
| Optimistic | £2,704 | 5.9% | 4.3% | £417 | 7.6% |
| Bull | £2,955 | 6.4% | 4.8% | £834 | 14.4% |
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