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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £366,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £1,850 |
| Bedroom 2 | £1,850 |
| Bedroom 3 | £1,850 |
| Entrance Hall | £550 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | M Cole Builders: Builders | Building Services | Romford | 01708 755771 | — |
| decorator | Painters and Decorators Romford | Byron Quality Decorators | 01708 378 624 | — |
| photographer | Essex Wedding Photographer | Natural Wedding Photography | 07887 517 536 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £22,560 | £412,000 | £15,798 | £798 | £12,798 | 9.5% |
| Yr 3 | £23,702 | £437,091 | £16,621 | £3,623 | £40,714 | 30.4% |
| Yr 5 | £24,902 | £463,710 | £17,484 | £8,155 | £71,864 | 53.6% |
| Yr 10 | £28,174 | £537,567 | £19,841 | £27,529 | £165,095 | 123.1% |
| Yr 15 | £31,877 | £623,187 | £22,506 | £59,597 | £282,784 | 210.9% |
| Yr 20 | £36,066 | £722,444 | £25,522 | £106,027 | £428,471 | 319.5% |
| Yr 25 | £40,805 | £837,511 | £28,934 | £168,706 | £606,218 | 452.1% |
| Yr 30 | £46,167 | £970,905 | £32,795 | £249,770 | £820,675 | 612.0% |
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)
1 planning application 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 | £1,597 | 4.8% | 3.0% | £-624 | -13.2% |
| Conservative | £1,747 | 5.2% | 3.6% | £-189 | -2.1% |
| Base | £1,879 | 5.6% | 3.9% | £66 | 2.7% |
| Optimistic | £2,029 | 6.1% | 4.4% | £340 | 8.1% |
| Bull | £2,217 | 6.7% | 4.9% | £648 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.64% |
| Net Yield | ●3.95% |
| Net Annual Income | £15,790 |
| Deductions: void 8% (−£1,805) · mgmt 10% (−£2,256) · maint 10% (−£2,256) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£68 |
| Cash-on-Cash Return | ●0.59% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £4,017 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,597 | 4.8% | 3.0% | £-624 | -13.2% |
| Conservative | £1,747 | 5.2% | 3.6% | £-189 | -2.1% |
| Base | £1,879 | 5.6% | 3.9% | £66 | 2.7% |
| Optimistic | £2,029 | 6.1% | 4.4% | £340 | 8.1% |
| Bull | £2,217 | 6.7% | 4.9% | £648 | 14.9% |
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