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End of Terrace · 3 bed
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Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £389,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £435,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £22,533 | £448,050 | £15,779 | £-534 | £12,516 | 8.6% |
| Yr 3 | £23,674 | £475,336 | £16,600 | £-374 | £39,962 | 27.3% |
| Yr 5 | £24,872 | £504,284 | £17,463 | £1,490 | £70,774 | 48.4% |
| Yr 10 | £28,141 | £584,604 | £19,816 | £14,186 | £163,790 | 111.9% |
| Yr 15 | £31,839 | £677,716 | £22,479 | £39,561 | £282,277 | 192.9% |
| Yr 20 | £36,022 | £785,658 | £25,491 | £79,280 | £429,939 | 293.8% |
| Yr 25 | £40,756 | £910,793 | £28,899 | £135,230 | £611,023 | 417.5% |
| Yr 30 | £46,112 | £1,055,859 | £32,755 | £209,542 | £830,401 | 567.4% |
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 | £1,597 | 4.4% | 2.8% | £-766 | -14.4% |
| Conservative | £1,747 | 4.8% | 3.3% | £-309 | -3.1% |
| Base | £1,879 | 5.2% | 3.6% | £-44 | 1.7% |
| Optimistic | £2,029 | 5.6% | 4.0% | £241 | 7.2% |
| Bull | £2,217 | 6.1% | 4.5% | £561 | 14.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.18% |
| Net Yield | ●3.63% |
| Net Annual Income | £15,790 |
| Deductions: void 8% (−£1,803) · mgmt 10% (−£2,253) · maint 10% (−£2,253) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,357 |
| Monthly Cashflow (IO) | ●£-41 |
| Cash-on-Cash Return | ●-0.36% |
| 5-Year IRR | ●1.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £33,500 |
| SDLT Effective Rate | 7.7% |
| SDLT (Company) | £33,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,262 |
| SPV Annual Saving | £3,953 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £504,284 |
| Less: Purchase Price | −£435,000 |
| Less: Buying Costs (SDLT + legal) | −£36,100 |
| Less: Selling Costs (est. 2.5%) | −£12,607 |
| = CGT Net Gain (5yr) | £20,577 |
| CGT at 24% | £4,219 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,597 | 4.4% | 2.8% | £-766 | -14.4% |
| Conservative | £1,747 | 4.8% | 3.3% | £-309 | -3.1% |
| Base | £1,879 | 5.2% | 3.6% | £-44 | 1.7% |
| Optimistic | £2,029 | 5.6% | 4.0% | £241 | 7.2% |
| Bull | £2,217 | 6.1% | 4.5% | £561 | 14.1% |
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