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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 30% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £450 |
| Hallway / Stairs | £200 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Bedroom 4 | £250 |
| Total Estimated Refurb | £2,900 |
⚠ 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
- £494,950
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 4 | — | — | — | — |
| Sector sale 2 | Terraced | 4 | — | — | — | — |
| Sector sale 3 | Terraced | 4 | — | — | — | — |
| Sector sale 4 | Terraced | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,544 |
| ICR (actual) | 2.08x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £494,950 |
| Deposit (25% — 75% LTV) | £123,737 |
| SDLT (additional property, 5% surcharge) | £39,495 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £166,231 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £494,950 | Loan (75% LTV) | £371,212 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,701 |
| Rent needed (1.5×) | £2,552/mo | Estimated rent | £3,217/mo |
| Stress ratio | 1.89× (need ≥ 1.5×) +£665 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £755,000 |
| 75% remortgage | £566,250 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-268/mo |
| Gross margin | +£260,050 |
| Reno cost (est.) | –£2,900 |
| Buy + sell costs | –£54,420 |
| Net profit | +£202,730 (160.1% ROI) |
| SA gross/mo | £1,174 |
| SA net/mo | £883 |
| BTL est./mo | £3,217 |
| SA vs BTL uplift | £-2,043/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £533,007 | +£38,057 | £143,886 | +£20,148 (4.1%) |
| 5 years | £559,990 | +£65,040 | £163,988 | +£40,251 (8.1%) |
| 7 years | £588,340 | +£93,390 | £185,109 | +£61,371 (12.4%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £38,606 | £509,798 | £27,351 | £8,791 | £23,639 | 14.1% |
| Yr 3 | £40,561 | £540,845 | £28,759 | £28,474 | £74,370 | 44.4% |
| Yr 5 | £42,614 | £573,783 | £30,237 | £51,079 | £129,912 | 77.6% |
| Yr 10 | £48,214 | £665,171 | £34,269 | £121,357 | £291,579 | 174.3% |
| Yr 15 | £54,549 | £771,116 | £38,831 | £213,358 | £489,524 | 292.5% |
| Yr 20 | £61,718 | £893,935 | £43,992 | £329,937 | £728,922 | 435.6% |
| Yr 25 | £69,828 | £1,036,315 | £49,831 | £474,322 | £1,015,687 | 607.0% |
| Yr 30 | £79,004 | £1,201,374 | £56,438 | £650,168 | £1,356,592 | 810.7% |
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 | £2,734 | 6.6% | 4.2% | £-270 | -7.5% |
| Conservative | £2,992 | 7.3% | 5.0% | £356 | 2.6% |
| Base | £3,217 | 7.8% | 5.5% | £732 | 7.0% |
| Optimistic | £3,474 | 8.4% | 6.1% | £1,142 | 12.1% |
| Bull | £3,796 | 9.2% | 6.9% | £1,611 | 18.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.8% |
| Net Yield | ●5.53% |
| Net Annual Income | £27,350 |
| Deductions: void 8% (−£3,088) · mgmt 10% (−£3,861) · maint 10% (−£3,861) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,544 |
| Monthly Cashflow (IO) | ●£735 |
| Cash-on-Cash Return | ●5.25% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £39,495 |
| SDLT Effective Rate | 7.98% |
| SDLT (Company) | £39,495 |
| Section 24 Extra Tax/yr (higher rate) | £3,712 |
| SPV Annual Saving | £6,444 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £573,783 |
| Less: Purchase Price | −£494,950 |
| Less: Buying Costs (SDLT + legal) | −£42,095 |
| Less: Selling Costs (est. 2.5%) | −£14,345 |
| = CGT Net Gain (5yr) | £22,393 |
| CGT at 24% | £4,654 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,734 | 6.6% | 4.2% | £-270 | -7.5% |
| Conservative | £2,992 | 7.3% | 5.0% | £356 | 2.6% |
| Base | £3,217 | 7.8% | 5.5% | £732 | 7.0% |
| Optimistic | £3,474 | 8.4% | 6.1% | £1,142 | 12.1% |
| Bull | £3,796 | 9.2% | 6.9% | £1,611 | 18.5% |