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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 16% above the area median. Offers anchored to area median of £416,000. 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 | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| 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 | Home Builder London Ltd: Building & Renovation Services | 07473 463936 | — |
| decorator | Painting and Decorating London - David Banks & Company | 020 7385 9759 | — |
| photographer | London vacation photographer | 07879 455 932 | — |
Property Details
- Asking Price
- £485,000
- Property Type
- Terraced
- 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 | £27,014 | £499,550 | £19,005 | £818 | £15,368 | 9.4% |
| Yr 3 | £28,382 | £529,973 | £19,990 | £3,925 | £48,897 | 29.8% |
| Yr 5 | £29,819 | £562,248 | £21,025 | £9,075 | £86,323 | 52.7% |
| Yr 10 | £33,737 | £651,799 | £23,846 | £31,586 | £198,385 | 121.1% |
| Yr 15 | £38,171 | £755,614 | £27,038 | £69,296 | £339,911 | 207.5% |
| Yr 20 | £43,187 | £875,964 | £30,649 | £124,205 | £515,169 | 314.4% |
| Yr 25 | £48,862 | £1,015,482 | £34,736 | £198,571 | £729,053 | 445.0% |
| Yr 30 | £55,283 | £1,177,222 | £39,359 | £294,952 | £987,174 | 602.5% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,912 | 4.7% | 3.0% | £-764 | -13.4% |
| Conservative | £2,092 | 5.2% | 3.5% | £-240 | -2.3% |
| Base | £2,250 | 5.6% | 3.9% | £67 | 2.4% |
| Optimistic | £2,430 | 6.0% | 4.4% | £397 | 7.9% |
| Bull | £2,655 | 6.6% | 4.9% | £768 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.57% |
| Net Yield | ●3.92% |
| Net Annual Income | £18,995 |
| Deductions: void 8% (−£2,161) · mgmt 10% (−£2,701) · maint 10% (−£2,701) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,513 |
| Monthly Cashflow (IO) | ●£70 |
| Cash-on-Cash Return | ●0.49% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £38,500 |
| SDLT Effective Rate | 7.94% |
| SDLT (Company) | £38,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,638 |
| SPV Annual Saving | £4,800 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £562,248 |
| Less: Purchase Price | −£485,000 |
| Less: Buying Costs (SDLT + legal) | −£41,100 |
| Less: Selling Costs (est. 2.5%) | −£14,056 |
| = CGT Net Gain (5yr) | £22,092 |
| CGT at 24% | £4,582 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,912 | 4.7% | 3.0% | £-764 | -13.4% |
| Conservative | £2,092 | 5.2% | 3.5% | £-240 | -2.3% |
| Base | £2,250 | 5.6% | 3.9% | £67 | 2.4% |
| Optimistic | £2,430 | 6.0% | 4.4% | £397 | 7.9% |
| Bull | £2,655 | 6.6% | 4.9% | £768 | 14.7% |
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