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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 12% above the area median. Offers anchored to area median of £556,000. 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 | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,350 |
| Bedroom 2 | £1,350 |
| Bedroom 3 | £1,350 |
| Bedroom 4 | £1,350 |
| 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 | 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
- £625,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 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 | £35,250 | £643,750 | £24,935 | £1,498 | £20,248 | 9.5% |
| Yr 3 | £37,035 | £682,954 | £26,220 | £6,412 | £64,366 | 30.2% |
| Yr 5 | £38,909 | £724,546 | £27,570 | £13,993 | £113,539 | 53.3% |
| Yr 10 | £44,022 | £839,948 | £31,251 | £45,517 | £260,465 | 122.4% |
| Yr 15 | £49,807 | £973,730 | £35,416 | £96,875 | £445,604 | 209.4% |
| Yr 20 | £56,352 | £1,128,820 | £40,129 | £170,673 | £674,493 | 316.9% |
| Yr 25 | £63,758 | £1,308,611 | £45,460 | £269,862 | £953,473 | 448.0% |
| Yr 30 | £72,136 | £1,517,039 | £51,493 | £397,776 | £1,289,815 | 606.0% |
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)
5 planning applications 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 | £2,496 | 4.8% | 3.0% | £-954 | -13.3% |
| Conservative | £2,730 | 5.2% | 3.6% | £-274 | -2.3% |
| Base | £2,936 | 5.6% | 4.0% | £124 | 2.5% |
| Optimistic | £3,171 | 6.1% | 4.4% | £552 | 7.9% |
| Bull | £3,464 | 6.7% | 5.0% | £1,033 | 14.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.64% |
| Net Yield | ●3.99% |
| Net Annual Income | £24,922 |
| Deductions: void 8% (−£2,820) · mgmt 10% (−£3,525) · maint 10% (−£3,525) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,949 |
| Monthly Cashflow (IO) | ●£128 |
| Cash-on-Cash Return | ●0.7% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £52,500 |
| SDLT Effective Rate | 8.4% |
| SDLT (Company) | £93,750 |
| Section 24 Extra Tax/yr (higher rate) | £4,688 |
| SPV Annual Saving | £6,216 |
| SPV Breakeven | 6.6 yrs |
| CGT Projected Sale (5yr) | £724,546 |
| Less: Purchase Price | −£625,000 |
| Less: Buying Costs (SDLT + legal) | −£55,100 |
| Less: Selling Costs (est. 2.5%) | −£18,114 |
| = CGT Net Gain (5yr) | £26,332 |
| CGT at 24% | £5,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,496 | 4.8% | 3.0% | £-954 | -13.3% |
| Conservative | £2,730 | 5.2% | 3.6% | £-274 | -2.3% |
| Base | £2,936 | 5.6% | 4.0% | £124 | 2.5% |
| Optimistic | £3,171 | 6.1% | 4.4% | £552 | 7.9% |
| Bull | £3,464 | 6.7% | 5.0% | £1,033 | 14.6% |
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