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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 13% above the area median. Offers anchored to area median of £505,000. 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 | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| Bedroom 4 | £1,400 |
| Entrance Hall | £550 |
| 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
- £575,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- 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 | £31,280 | £592,250 | £22,077 | £514 | £17,764 | 9.1% |
| Yr 3 | £32,864 | £628,318 | £23,217 | £3,245 | £56,564 | 29.0% |
| Yr 5 | £34,527 | £666,583 | £24,415 | £8,343 | £99,926 | 51.2% |
| Yr 10 | £39,064 | £772,752 | £27,681 | £32,243 | £229,995 | 117.7% |
| Yr 15 | £44,198 | £895,831 | £31,377 | £73,743 | £394,574 | 202.0% |
| Yr 20 | £50,006 | £1,038,514 | £35,559 | £135,157 | £598,671 | 306.5% |
| Yr 25 | £56,577 | £1,203,922 | £40,290 | £219,100 | £848,022 | 434.1% |
| Yr 30 | £64,012 | £1,395,676 | £45,643 | £328,534 | £1,149,210 | 588.3% |
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 | £2,215 | 4.6% | 2.9% | £-933 | -13.8% |
| Conservative | £2,424 | 5.1% | 3.5% | £-317 | -2.7% |
| Base | £2,606 | 5.4% | 3.8% | £42 | 2.1% |
| Optimistic | £2,814 | 5.9% | 4.3% | £428 | 7.5% |
| Bull | £3,075 | 6.4% | 4.8% | £862 | 14.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.44% |
| Net Yield | ●3.84% |
| Net Annual Income | £22,071 |
| Deductions: void 8% (−£2,502) · mgmt 10% (−£3,128) · maint 10% (−£3,128) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,793 |
| Monthly Cashflow (IO) | ●£46 |
| Cash-on-Cash Return | ●0.26% |
| 5-Year IRR | ●2.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £47,500 |
| SDLT Effective Rate | 8.26% |
| SDLT (Company) | £86,250 |
| Section 24 Extra Tax/yr (higher rate) | £4,313 |
| SPV Annual Saving | £5,568 |
| SPV Breakeven | 7.0 yrs |
| CGT Projected Sale (5yr) | £666,583 |
| Less: Purchase Price | −£575,000 |
| Less: Buying Costs (SDLT + legal) | −£50,100 |
| Less: Selling Costs (est. 2.5%) | −£16,665 |
| = CGT Net Gain (5yr) | £24,818 |
| CGT at 24% | £5,236 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,215 | 4.6% | 2.9% | £-933 | -13.8% |
| Conservative | £2,424 | 5.1% | 3.5% | £-317 | -2.7% |
| Base | £2,606 | 5.4% | 3.8% | £42 | 2.1% |
| Optimistic | £2,814 | 5.9% | 4.3% | £428 | 7.5% |
| Bull | £3,075 | 6.4% | 4.8% | £862 | 14.3% |
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