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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 21% above the area median. Offers anchored to area median of £411,000. 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 | £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 | Painters & Decorators in London | Award-Winning | Novitas | 07825881762 | — |
| photographer | Piranha Photography: Corporate Photographer London | 020 7193 9446 | — |
Property Details
- Asking Price
- £500,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £29,150 | £515,000 | £20,543 | £1,793 | £16,793 | 9.9% |
| Yr 3 | £30,626 | £546,364 | £21,606 | £6,966 | £53,330 | 31.5% |
| Yr 5 | £32,176 | £579,637 | £22,722 | £14,345 | £93,982 | 55.6% |
| Yr 10 | £36,404 | £671,958 | £25,766 | £43,187 | £215,145 | 127.2% |
| Yr 15 | £41,188 | £778,984 | £29,210 | £88,430 | £367,414 | 217.3% |
| Yr 20 | £46,601 | £903,056 | £33,107 | £152,231 | £555,287 | 328.4% |
| Yr 25 | £52,724 | £1,046,889 | £37,517 | £237,028 | £783,917 | 463.6% |
| Yr 30 | £59,653 | £1,213,631 | £42,505 | £345,580 | £1,059,211 | 626.4% |
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)
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 | £2,066 | 5.0% | 3.1% | £-725 | -12.7% |
| Conservative | £2,261 | 5.4% | 3.7% | £-173 | -1.8% |
| Base | £2,431 | 5.8% | 4.1% | £151 | 3.0% |
| Optimistic | £2,625 | 6.3% | 4.6% | £500 | 8.3% |
| Bull | £2,869 | 6.9% | 5.1% | £893 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.83% |
| Net Yield | ●4.11% |
| Net Annual Income | £20,559 |
| Deductions: void 8% (−£2,332) · mgmt 10% (−£2,915) · maint 10% (−£2,915) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,559 |
| Monthly Cashflow (IO) | ●£154 |
| Cash-on-Cash Return | ●1.07% |
| 5-Year IRR | ●3.0% |
● 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 | £5,133 |
| 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 | £2,066 | 5.0% | 3.1% | £-725 | -12.7% |
| Conservative | £2,261 | 5.4% | 3.7% | £-173 | -1.8% |
| Base | £2,431 | 5.8% | 4.1% | £151 | 3.0% |
| Optimistic | £2,625 | 6.3% | 4.6% | £500 | 8.3% |
| Bull | £2,869 | 6.9% | 5.1% | £893 | 15.1% |
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