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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £499,000. 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
- £650,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £35,230 | £669,500 | £24,921 | £546 | £20,046 | 9.0% |
| Yr 3 | £37,014 | £710,273 | £26,205 | £3,555 | £63,828 | 28.8% |
| Yr 5 | £38,887 | £753,528 | £27,554 | £9,230 | £112,758 | 50.9% |
| Yr 10 | £43,997 | £873,546 | £31,233 | £35,981 | £259,526 | 117.1% |
| Yr 15 | £49,779 | £1,012,679 | £35,396 | £82,554 | £445,233 | 200.9% |
| Yr 20 | £56,320 | £1,173,972 | £40,106 | £151,556 | £675,528 | 304.8% |
| Yr 25 | £63,721 | £1,360,956 | £45,434 | £245,932 | £956,888 | 431.8% |
| Yr 30 | £72,095 | £1,577,721 | £51,463 | £369,018 | £1,296,739 | 585.2% |
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 | 4.6% | 2.9% | £-1,056 | -13.9% |
| Conservative | £2,730 | 5.0% | 3.5% | £-360 | -2.8% |
| Base | £2,936 | 5.4% | 3.8% | £46 | 2.0% |
| Optimistic | £3,171 | 5.9% | 4.3% | £481 | 7.4% |
| Bull | £3,464 | 6.4% | 4.8% | £971 | 14.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.42% |
| Net Yield | ●3.83% |
| Net Annual Income | £24,922 |
| Deductions: void 8% (−£2,818) · mgmt 10% (−£3,523) · maint 10% (−£3,523) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,027 |
| Monthly Cashflow (IO) | ●£50 |
| Cash-on-Cash Return | ●0.25% |
| 5-Year IRR | ●2.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £55,000 |
| SDLT Effective Rate | 8.46% |
| SDLT (Company) | £97,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,875 |
| SPV Annual Saving | £6,262 |
| SPV Breakeven | 6.8 yrs |
| CGT Projected Sale (5yr) | £753,528 |
| Less: Purchase Price | −£650,000 |
| Less: Buying Costs (SDLT + legal) | −£57,600 |
| Less: Selling Costs (est. 2.5%) | −£18,838 |
| = CGT Net Gain (5yr) | £27,090 |
| CGT at 24% | £5,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,496 | 4.6% | 2.9% | £-1,056 | -13.9% |
| Conservative | £2,730 | 5.0% | 3.5% | £-360 | -2.8% |
| Base | £2,936 | 5.4% | 3.8% | £46 | 2.0% |
| Optimistic | £3,171 | 5.9% | 4.3% | £481 | 7.4% |
| Bull | £3,464 | 6.4% | 4.8% | £971 | 14.2% |
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