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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 43% above the area median. Offers anchored to area median of £443,000. 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 | Builders Twickenham - Twickenham Builders Services | 020 3026 9216 | — |
| decorator | Marks Painting & Decorating Services Twickenham, London | 0208 892 8249 | — |
| photographer | Twickenham Photographer Jilly Cowdry | 07808 724330 | 07808724330 | — |
Property Details
- Asking Price
- £635,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,800–1,900 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 | £36,195 | £654,050 | £25,615 | £1,803 | £20,853 | 9.6% |
| Yr 3 | £38,027 | £693,882 | £26,935 | £7,380 | £66,261 | 30.6% |
| Yr 5 | £39,953 | £736,139 | £28,321 | £15,695 | £116,834 | 54.0% |
| Yr 10 | £45,203 | £853,387 | £32,101 | £49,390 | £267,777 | 123.8% |
| Yr 15 | £51,143 | £989,309 | £36,378 | £103,451 | £457,760 | 211.6% |
| Yr 20 | £57,863 | £1,146,881 | £41,216 | £180,554 | £692,435 | 320.1% |
| Yr 25 | £65,467 | £1,329,549 | £46,691 | £283,727 | £978,276 | 452.2% |
| Yr 30 | £74,070 | £1,541,312 | £52,885 | £416,397 | £1,322,709 | 611.4% |
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 | £2,564 | 4.8% | 3.1% | £-950 | -13.1% |
| Conservative | £2,806 | 5.3% | 3.6% | £-256 | -2.2% |
| Base | £3,017 | 5.7% | 4.0% | £151 | 2.6% |
| Optimistic | £3,258 | 6.2% | 4.5% | £588 | 8.0% |
| Bull | £3,560 | 6.7% | 5.0% | £1,081 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.7% |
| Net Yield | ●4.03% |
| Net Annual Income | £25,622 |
| Deductions: void 8% (−£2,896) · mgmt 10% (−£3,620) · maint 10% (−£3,620) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,980 |
| Monthly Cashflow (IO) | ●£155 |
| Cash-on-Cash Return | ●0.84% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £53,500 |
| SDLT Effective Rate | 8.43% |
| SDLT (Company) | £95,250 |
| Section 24 Extra Tax/yr (higher rate) | £4,762 |
| SPV Annual Saving | £6,371 |
| SPV Breakeven | 6.6 yrs |
| CGT Projected Sale (5yr) | £736,139 |
| Less: Purchase Price | −£635,000 |
| Less: Buying Costs (SDLT + legal) | −£56,100 |
| Less: Selling Costs (est. 2.5%) | −£18,403 |
| = CGT Net Gain (5yr) | £26,636 |
| CGT at 24% | £5,673 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,564 | 4.8% | 3.1% | £-950 | -13.1% |
| Conservative | £2,806 | 5.3% | 3.6% | £-256 | -2.2% |
| Base | £3,017 | 5.7% | 4.0% | £151 | 2.6% |
| Optimistic | £3,258 | 6.2% | 4.5% | £588 | 8.0% |
| Bull | £3,560 | 6.7% | 5.0% | £1,081 | 14.7% |
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