🔒 Sign in to view the address — Hayes
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | Raaz Constructions Limited: Construction Company in Uxbridge | 08001337331 | — |
| decorator | Painters & Decorators Uxbridge - Decorwise | London | +447501148912 | — |
Property Details
- Asking Price
- £534,950
- Property Type
- Semi-Detached
- 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 | £31,295 | £550,998 | £22,087 | £2,026 | £18,075 | 10.0% |
| Yr 3 | £32,879 | £584,554 | £23,228 | £7,783 | £57,388 | 31.6% |
| Yr 5 | £34,543 | £620,154 | £24,426 | £15,908 | £101,112 | 55.8% |
| Yr 10 | £39,083 | £718,928 | £27,694 | £47,379 | £231,357 | 127.6% |
| Yr 15 | £44,218 | £833,435 | £31,392 | £96,459 | £394,944 | 217.8% |
| Yr 20 | £50,029 | £966,179 | £35,576 | £165,462 | £596,691 | 329.1% |
| Yr 25 | £56,603 | £1,120,067 | £40,309 | £257,005 | £842,122 | 464.4% |
| Yr 30 | £64,041 | £1,298,464 | £45,665 | £374,051 | £1,137,565 | 627.3% |
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
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 | £2,215 | 5.0% | 3.1% | £-771 | -12.7% |
| Conservative | £2,424 | 5.4% | 3.7% | £-179 | -1.8% |
| Base | £2,606 | 5.8% | 4.1% | £168 | 3.0% |
| Optimistic | £2,814 | 6.3% | 4.6% | £541 | 8.3% |
| Bull | £3,075 | 6.9% | 5.2% | £963 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.85% |
| Net Yield | ●4.13% |
| Net Annual Income | £22,071 |
| Deductions: void 8% (−£2,504) · mgmt 10% (−£3,129) · maint 10% (−£3,129) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,668 |
| Monthly Cashflow (IO) | ●£171 |
| Cash-on-Cash Return | ●1.11% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £43,495 |
| SDLT Effective Rate | 8.13% |
| SDLT (Company) | £80,242 |
| Section 24 Extra Tax/yr (higher rate) | £4,012 |
| SPV Annual Saving | £5,492 |
| SPV Breakeven | 6.7 yrs |
| CGT Projected Sale (5yr) | £620,154 |
| Less: Purchase Price | −£534,950 |
| Less: Buying Costs (SDLT + legal) | −£46,095 |
| Less: Selling Costs (est. 2.5%) | −£15,504 |
| = CGT Net Gain (5yr) | £23,605 |
| CGT at 24% | £4,945 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,215 | 5.0% | 3.1% | £-771 | -12.7% |
| Conservative | £2,424 | 5.4% | 3.7% | £-179 | -1.8% |
| Base | £2,606 | 5.8% | 4.1% | £168 | 3.0% |
| Optimistic | £2,814 | 6.3% | 4.6% | £541 | 8.3% |
| Bull | £3,075 | 6.9% | 5.2% | £963 | 15.1% |
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