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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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
- £500,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £27,900 | £515,000 | £19,643 | £893 | £15,893 | 9.4% |
| Yr 3 | £29,312 | £546,364 | £20,660 | £4,198 | £50,562 | 29.9% |
| Yr 5 | £30,796 | £579,637 | £21,728 | £9,614 | £89,251 | 52.8% |
| Yr 10 | £34,843 | £671,958 | £24,642 | £33,104 | £205,062 | 121.3% |
| Yr 15 | £39,422 | £778,984 | £27,939 | £72,292 | £351,275 | 207.7% |
| Yr 20 | £44,602 | £903,056 | £31,669 | £129,241 | £532,297 | 314.8% |
| Yr 25 | £50,463 | £1,046,889 | £35,889 | £206,286 | £753,175 | 445.4% |
| Yr 30 | £57,095 | £1,213,631 | £40,663 | £306,068 | £1,019,699 | 603.0% |
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 | £1,977 | 4.7% | 3.0% | £-783 | -13.4% |
| Conservative | £2,163 | 5.2% | 3.5% | £-242 | -2.3% |
| Base | £2,326 | 5.6% | 3.9% | £75 | 2.5% |
| Optimistic | £2,512 | 6.0% | 4.4% | £416 | 7.9% |
| Bull | £2,745 | 6.6% | 4.9% | £799 | 14.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.58% |
| Net Yield | ●3.93% |
| Net Annual Income | £19,652 |
| Deductions: void 8% (−£2,232) · mgmt 10% (−£2,790) · maint 10% (−£2,790) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,559 |
| Monthly Cashflow (IO) | ●£79 |
| Cash-on-Cash Return | ●0.53% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £40,000 |
| SDLT Effective Rate | 8.0% |
| SDLT (Company) | £40,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,750 |
| SPV Annual Saving | £4,956 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £579,637 |
| Less: Purchase Price | −£500,000 |
| Less: Buying Costs (SDLT + legal) | −£42,600 |
| Less: Selling Costs (est. 2.5%) | −£14,491 |
| = CGT Net Gain (5yr) | £22,546 |
| CGT at 24% | £4,691 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,977 | 4.7% | 3.0% | £-783 | -13.4% |
| Conservative | £2,163 | 5.2% | 3.5% | £-242 | -2.3% |
| Base | £2,326 | 5.6% | 3.9% | £75 | 2.5% |
| Optimistic | £2,512 | 6.0% | 4.4% | £416 | 7.9% |
| Bull | £2,745 | 6.6% | 4.9% | £799 | 14.7% |
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