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House · 3 bed
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Suggested Offer Range
Asking price is 36% above the area median. Offers anchored to area median of £392,000. 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 | 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
- £535,000
- Property Type
- House
- Bedrooms
- 3
- 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 | £31,190 | £551,050 | £22,012 | £1,950 | £18,000 | 9.9% |
| Yr 3 | £32,770 | £584,609 | £23,149 | £7,547 | £57,156 | 31.5% |
| Yr 5 | £34,428 | £620,212 | £24,344 | £15,505 | £100,716 | 55.5% |
| Yr 10 | £38,953 | £718,995 | £27,601 | £46,521 | £230,516 | 127.1% |
| Yr 15 | £44,071 | £833,513 | £31,286 | £95,088 | £393,600 | 217.0% |
| Yr 20 | £49,863 | £966,270 | £35,456 | £163,510 | £594,780 | 328.0% |
| Yr 25 | £56,415 | £1,120,171 | £40,174 | £254,399 | £839,570 | 463.0% |
| Yr 30 | £63,828 | £1,298,585 | £45,511 | £370,705 | £1,134,290 | 625.5% |
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
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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 | £2,210 | 5.0% | 3.1% | £-774 | -12.7% |
| Conservative | £2,418 | 5.4% | 3.7% | £-184 | -1.8% |
| Base | £2,600 | 5.8% | 4.1% | £163 | 2.9% |
| Optimistic | £2,808 | 6.3% | 4.6% | £536 | 8.3% |
| Bull | £3,068 | 6.9% | 5.1% | £957 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.83% |
| Net Yield | ●4.12% |
| Net Annual Income | £22,019 |
| Deductions: void 8% (−£2,495) · mgmt 10% (−£3,119) · maint 10% (−£3,119) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,669 |
| Monthly Cashflow (IO) | ●£166 |
| Cash-on-Cash Return | ●1.08% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £43,500 |
| SDLT Effective Rate | 8.13% |
| SDLT (Company) | £80,250 |
| Section 24 Extra Tax/yr (higher rate) | £4,012 |
| SPV Annual Saving | £5,483 |
| SPV Breakeven | 6.7 yrs |
| CGT Projected Sale (5yr) | £620,212 |
| Less: Purchase Price | −£535,000 |
| Less: Buying Costs (SDLT + legal) | −£46,100 |
| Less: Selling Costs (est. 2.5%) | −£15,505 |
| = CGT Net Gain (5yr) | £23,607 |
| CGT at 24% | £4,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,210 | 5.0% | 3.1% | £-774 | -12.7% |
| Conservative | £2,418 | 5.4% | 3.7% | £-184 | -1.8% |
| Base | £2,600 | 5.8% | 4.1% | £163 | 2.9% |
| Optimistic | £2,808 | 6.3% | 4.6% | £536 | 8.3% |
| Bull | £3,068 | 6.9% | 5.1% | £957 | 15.1% |
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