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Maisonette · 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
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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
- £300,000
- Property Type
- Maisonette
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- 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 | £309,000 | £15,798 | £4,548 | £13,548 | 13.7% |
| Yr 3 | £23,702 | £327,818 | £16,621 | £14,873 | £42,691 | 43.1% |
| Yr 5 | £24,902 | £347,782 | £17,484 | £26,905 | £74,687 | 75.4% |
| Yr 10 | £28,174 | £403,175 | £19,841 | £65,029 | £168,204 | 169.7% |
| Yr 15 | £31,877 | £467,390 | £22,506 | £115,847 | £283,237 | 285.8% |
| Yr 20 | £36,066 | £541,833 | £25,522 | £181,027 | £422,860 | 426.7% |
| Yr 25 | £40,805 | £628,133 | £28,934 | £262,456 | £590,590 | 596.0% |
| Yr 30 | £46,167 | £728,179 | £32,795 | £362,270 | £790,449 | 797.6% |
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)
2 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?
📄 Lease Information
Estimated remaining lease: 104 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,597 | 6.4% | 4.0% | £-218 | -8.0% |
| Conservative | £1,747 | 7.0% | 4.7% | £155 | 2.3% |
| Base | £1,879 | 7.5% | 5.3% | £378 | 6.9% |
| Optimistic | £2,029 | 8.1% | 5.9% | £621 | 12.0% |
| Bull | £2,217 | 8.9% | 6.6% | £898 | 18.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.52% |
| Net Yield | ●5.26% |
| 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 | £936 |
| Monthly Cashflow (IO) | ●£380 |
| Cash-on-Cash Return | ●4.58% |
| 5-Year IRR | ●6.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,000 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £20,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £3,830 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,782 |
| Less: Purchase Price | −£300,000 |
| Less: Buying Costs (SDLT + legal) | −£22,600 |
| Less: Selling Costs (est. 2.5%) | −£8,695 |
| = CGT Net Gain (5yr) | £16,487 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,597 | 6.4% | 4.0% | £-218 | -8.0% |
| Conservative | £1,747 | 7.0% | 4.7% | £155 | 2.3% |
| Base | £1,879 | 7.5% | 5.3% | £378 | 6.9% |
| Optimistic | £2,029 | 8.1% | 5.9% | £621 | 12.0% |
| Bull | £2,217 | 8.9% | 6.6% | £898 | 18.5% |
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