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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 10% below the area median — some negotiation possible but limited margin. 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 | Raaz Constructions Limited: Construction Company in Uxbridge | 08001337331 | — |
| decorator | Painters & Decorators Uxbridge - Decorwise | London | +447501148912 | — |
Property Details
- Asking Price
- £500,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £28,050 | £515,000 | £19,751 | £1,001 | £16,001 | 9.5% |
| Yr 3 | £29,470 | £546,364 | £20,773 | £4,530 | £50,894 | 30.1% |
| Yr 5 | £30,962 | £579,637 | £21,848 | £10,182 | £89,819 | 53.1% |
| Yr 10 | £35,031 | £671,958 | £24,777 | £34,313 | £206,272 | 122.0% |
| Yr 15 | £39,634 | £778,984 | £28,091 | £74,228 | £353,212 | 208.9% |
| Yr 20 | £44,842 | £903,056 | £31,841 | £132,000 | £535,056 | 316.4% |
| Yr 25 | £50,735 | £1,046,889 | £36,084 | £209,975 | £756,864 | 447.6% |
| Yr 30 | £57,402 | £1,213,631 | £40,884 | £310,809 | £1,024,440 | 605.8% |
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
View all planning applications on your dashboard →
● 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 | £1,987 | 4.8% | 3.0% | £-777 | -13.3% |
| Conservative | £2,174 | 5.2% | 3.6% | £-234 | -2.2% |
| Base | £2,338 | 5.6% | 4.0% | £84 | 2.5% |
| Optimistic | £2,525 | 6.1% | 4.4% | £425 | 7.9% |
| Bull | £2,759 | 6.6% | 4.9% | £810 | 14.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.61% |
| Net Yield | ●3.95% |
| Net Annual Income | £19,755 |
| Deductions: void 8% (−£2,244) · mgmt 10% (−£2,805) · maint 10% (−£2,805) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,559 |
| Monthly Cashflow (IO) | ●£87 |
| Cash-on-Cash Return | ●0.59% |
| 5-Year IRR | ●2.5% |
● 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 | £4,977 |
| 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 | £1,987 | 4.8% | 3.0% | £-777 | -13.3% |
| Conservative | £2,174 | 5.2% | 3.6% | £-234 | -2.2% |
| Base | £2,338 | 5.6% | 4.0% | £84 | 2.5% |
| Optimistic | £2,525 | 6.1% | 4.4% | £425 | 7.9% |
| Bull | £2,759 | 6.6% | 4.9% | £810 | 14.7% |
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