🔒 Sign in to view the address
Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 56% above the area median. Offers anchored to area median of £271,000. 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 | 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
- £425,000
- Property Type
- Terraced
- Bedrooms
- 6
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £47,982 | £437,750 | £34,102 | £18,165 | £30,915 | 21.6% |
| Yr 3 | £50,412 | £464,409 | £35,851 | £57,107 | £96,516 | 67.6% |
| Yr 5 | £52,964 | £492,691 | £37,689 | £99,680 | £167,371 | 117.2% |
| Yr 10 | £59,924 | £571,164 | £42,700 | £223,223 | £369,387 | 258.6% |
| Yr 15 | £67,798 | £662,136 | £48,370 | £373,764 | £610,900 | 427.7% |
| Yr 20 | £76,707 | £767,597 | £54,784 | £554,852 | £897,449 | 628.2% |
| Yr 25 | £86,787 | £889,856 | £62,042 | £770,499 | £1,235,355 | 864.8% |
| Yr 30 | £98,192 | £1,031,587 | £70,253 | £1,025,249 | £1,631,836 | 1142.3% |
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 | £3,400 | 9.6% | 6.1% | £446 | 1.6% |
| Conservative | £3,720 | 10.5% | 7.2% | £1,106 | 10.4% |
| Base | £4,000 | 11.3% | 8.0% | £1,515 | 14.4% |
| Optimistic | £4,320 | 12.2% | 8.9% | £1,964 | 19.0% |
| Bull | £4,720 | 13.3% | 10.0% | £2,488 | 24.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.29% |
| Net Yield | ●8.03% |
| Net Annual Income | £34,115 |
| Deductions: void 8% (−£3,839) · mgmt 10% (−£4,798) · maint 10% (−£4,798) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,325 |
| Monthly Cashflow (IO) | ●£1,518 |
| Cash-on-Cash Return | ●12.72% |
| 5-Year IRR | ●14.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,500 |
| SDLT Effective Rate | 7.65% |
| SDLT (Company) | £32,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,188 |
| SPV Annual Saving | £7,628 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £492,691 |
| Less: Purchase Price | −£425,000 |
| Less: Buying Costs (SDLT + legal) | −£35,100 |
| Less: Selling Costs (est. 2.5%) | −£12,317 |
| = CGT Net Gain (5yr) | £20,274 |
| CGT at 24% | £4,146 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,400 | 9.6% | 6.1% | £446 | 1.6% |
| Conservative | £3,720 | 10.5% | 7.2% | £1,106 | 10.4% |
| Base | £4,000 | 11.3% | 8.0% | £1,515 | 14.4% |
| Optimistic | £4,320 | 12.2% | 8.9% | £1,964 | 19.0% |
| Bull | £4,720 | 13.3% | 10.0% | £2,488 | 24.9% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →