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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 32% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,300 |
| Bathroom | £1,700 |
| Living Room | £950 |
| Hallway / Stairs | £350 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Bedroom 4 | £550 |
| Total Estimated Refurb | £6,250 |
⚠ 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £325,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,400–1,500 sqft
- 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 | £24,862 | £334,750 | £17,456 | £5,268 | £15,018 | 13.9% |
| Yr 3 | £26,121 | £355,136 | £18,362 | £17,159 | £47,296 | 43.9% |
| Yr 5 | £27,444 | £376,764 | £19,314 | £30,931 | £82,695 | 76.7% |
| Yr 10 | £31,050 | £436,773 | £21,911 | £74,227 | £186,000 | 172.5% |
| Yr 15 | £35,130 | £506,339 | £24,849 | £131,512 | £312,851 | 290.1% |
| Yr 20 | £39,746 | £586,986 | £28,172 | £204,625 | £466,611 | 432.6% |
| Yr 25 | £44,969 | £680,478 | £31,933 | £295,646 | £651,123 | 603.7% |
| Yr 30 | £50,879 | £788,860 | £36,188 | £406,927 | £870,788 | 807.4% |
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 — South East England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 106 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,761 | 6.5% | 4.1% | £-213 | -7.7% |
| Conservative | £1,927 | 7.1% | 4.8% | £195 | 2.6% |
| Base | £2,072 | 7.7% | 5.4% | £439 | 7.1% |
| Optimistic | £2,238 | 8.3% | 6.0% | £705 | 12.2% |
| Bull | £2,445 | 9.0% | 6.7% | £1,009 | 18.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.65% |
| Net Yield | ●5.37% |
| Net Annual Income | £17,457 |
| Deductions: void 8% (−£1,989) · mgmt 10% (−£2,486) · maint 10% (−£2,486) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,014 |
| Monthly Cashflow (IO) | ●£441 |
| Cash-on-Cash Return | ●4.89% |
| 5-Year IRR | ●7.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,500 |
| SDLT Effective Rate | 6.92% |
| SDLT (Company) | £22,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,438 |
| SPV Annual Saving | £4,202 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £376,764 |
| Less: Purchase Price | −£325,000 |
| Less: Buying Costs (SDLT + legal) | −£25,100 |
| Less: Selling Costs (est. 2.5%) | −£9,419 |
| = CGT Net Gain (5yr) | £17,245 |
| CGT at 24% | £3,419 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,761 | 6.5% | 4.1% | £-213 | -7.7% |
| Conservative | £1,927 | 7.1% | 4.8% | £195 | 2.6% |
| Base | £2,072 | 7.7% | 5.4% | £439 | 7.1% |
| Optimistic | £2,238 | 8.3% | 6.0% | £705 | 12.2% |
| Bull | £2,445 | 9.0% | 6.7% | £1,009 | 18.7% |
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