🔒 Sign in to view the address
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 32% above the area median. Offers anchored to area median of £454,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £1,900 |
| Living Room | £1,150 |
| Hallway / Stairs | £400 |
| Master Bedroom | £650 |
| Bedroom 2 | £650 |
| Bedroom 3 | £650 |
| Bedroom 4 | £650 |
| 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
- £600,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £32,760 | £618,000 | £23,142 | £642 | £18,642 | 9.1% |
| Yr 3 | £34,418 | £655,636 | £24,336 | £3,710 | £59,347 | 29.1% |
| Yr 5 | £36,161 | £695,564 | £25,591 | £9,257 | £104,822 | 51.4% |
| Yr 10 | £40,913 | £806,350 | £29,012 | £34,806 | £241,156 | 118.2% |
| Yr 15 | £46,289 | £934,780 | £32,883 | £78,789 | £413,569 | 202.6% |
| Yr 20 | £52,372 | £1,083,667 | £37,263 | £143,627 | £627,294 | 307.3% |
| Yr 25 | £59,254 | £1,256,267 | £42,218 | £232,061 | £888,328 | 435.2% |
| Yr 30 | £67,040 | £1,456,357 | £47,824 | £347,192 | £1,203,549 | 589.7% |
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 | £2,320 | 4.6% | 2.9% | £-967 | -13.8% |
| Conservative | £2,538 | 5.1% | 3.5% | £-323 | -2.7% |
| Base | £2,729 | 5.5% | 3.9% | £53 | 2.1% |
| Optimistic | £2,947 | 5.9% | 4.3% | £456 | 7.5% |
| Bull | £3,220 | 6.4% | 4.8% | £910 | 14.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.46% |
| Net Yield | ●3.86% |
| Net Annual Income | £23,134 |
| Deductions: void 8% (−£2,621) · mgmt 10% (−£3,276) · maint 10% (−£3,276) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,871 |
| Monthly Cashflow (IO) | ●£57 |
| Cash-on-Cash Return | ●0.31% |
| 5-Year IRR | ●2.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £50,000 |
| SDLT Effective Rate | 8.33% |
| SDLT (Company) | £90,000 |
| Section 24 Extra Tax/yr (higher rate) | £4,500 |
| SPV Annual Saving | £5,821 |
| SPV Breakeven | 6.9 yrs |
| CGT Projected Sale (5yr) | £695,564 |
| Less: Purchase Price | −£600,000 |
| Less: Buying Costs (SDLT + legal) | −£52,600 |
| Less: Selling Costs (est. 2.5%) | −£17,389 |
| = CGT Net Gain (5yr) | £25,575 |
| CGT at 24% | £5,418 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,320 | 4.6% | 2.9% | £-967 | -13.8% |
| Conservative | £2,538 | 5.1% | 3.5% | £-323 | -2.7% |
| Base | £2,729 | 5.5% | 3.9% | £53 | 2.1% |
| Optimistic | £2,947 | 5.9% | 4.3% | £456 | 7.5% |
| Bull | £3,220 | 6.4% | 4.8% | £910 | 14.3% |
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 →