🔒 Sign in to view the address — Luton
Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £306,000. 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 | £350 |
| Bedroom 2 | £350 |
| Bedroom 3 | £350 |
| Bedroom 4 | £350 |
| Bedroom 5 | £350 |
| Bedroom 6 | £350 |
| 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 | AM Builders (Luton) Ltd: Commercial Building & Maintenance | 01582 655593 | — |
| decorator | IATD Bespoke Decorating | 07772 880082 | — |
| photographer | Oakley Studios: Luton Photography Studio | Portraits, Families ... | 01582 491499 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- Terraced
- Bedrooms
- 6
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 | £48,000 | £412,000 | £34,115 | £19,115 | £31,115 | 23.2% |
| Yr 3 | £50,430 | £437,091 | £35,865 | £59,959 | £97,049 | 72.4% |
| Yr 5 | £52,983 | £463,710 | £37,703 | £104,434 | £168,143 | 125.4% |
| Yr 10 | £59,945 | £537,567 | £42,716 | £232,739 | £370,305 | 276.1% |
| Yr 15 | £67,823 | £623,187 | £48,387 | £388,052 | £611,239 | 455.8% |
| Yr 20 | £76,735 | £722,444 | £54,804 | £573,923 | £896,368 | 668.4% |
| Yr 25 | £86,819 | £837,511 | £62,065 | £794,367 | £1,231,878 | 918.6% |
| Yr 30 | £98,228 | £970,905 | £70,279 | £1,053,927 | £1,624,832 | 1211.7% |
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 | £3,400 | 10.2% | 6.5% | £548 | 3.4% |
| Conservative | £3,720 | 11.2% | 7.7% | £1,192 | 12.0% |
| Base | £4,000 | 12.0% | 8.5% | £1,593 | 15.9% |
| Optimistic | £4,320 | 13.0% | 9.5% | £2,035 | 20.4% |
| Bull | £4,720 | 14.2% | 10.7% | £2,550 | 26.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.0% |
| Net Yield | ●8.53% |
| Net Annual Income | £34,115 |
| Deductions: void 8% (−£3,840) · mgmt 10% (−£4,800) · maint 10% (−£4,800) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£1,595 |
| Cash-on-Cash Return | ●14.25% |
| 5-Year IRR | ●15.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £7,581 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,400 | 10.2% | 6.5% | £548 | 3.4% |
| Conservative | £3,720 | 11.2% | 7.7% | £1,192 | 12.0% |
| Base | £4,000 | 12.0% | 8.5% | £1,593 | 15.9% |
| Optimistic | £4,320 | 13.0% | 9.5% | £2,035 | 20.4% |
| Bull | £4,720 | 14.2% | 10.7% | £2,550 | 26.2% |
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