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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Design & Build Builders | Builder in Watford & North London | 01465525489 | — |
| decorator | Nelson Santos Painting And Decorating | 07852 597700 | — |
| photographer | Millie Ned Photography Watford | 04283449070 | — |
Property Details
- Asking Price
- £430,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
⚠️ Only 2 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 1 | — | — | — | — |
| Sector sale 2 | Terraced | 1 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 4 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 4 | — | — | — | — |
| Sector sale 8 | Terraced | 1 | — | — | — | — |
| Sector sale 9 | Terraced | 1 | — | — | — | — |
| Sector sale 10 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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
Motivated Seller Analysis
Standard — 1/10Behavioural signals: 63 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,341 |
| ICR (actual) | 2.06x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £430,000 |
| Deposit (25% — 75% LTV) | £107,500 |
| SDLT (additional property, 5% surcharge) | £33,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £143,499 |
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 | £430,000 | Loan (75% LTV) | £322,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,478 |
| Rent needed (1.5×) | £2,217/mo | Estimated rent | £2,766/mo |
| Stress ratio | 1.87× (need ≥ 1.5×) +£549 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 |
| Cash left in deal | Unknown |
| SA gross/mo | £1,538 |
| SA net/mo | £1,203 |
| BTL est./mo | £2,766 |
| SA vs BTL uplift | £-1,228/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £463,063 | +£33,063 | £124,902 | +£17,402 (4.0%) |
| 5 years | £486,506 | +£56,506 | £142,367 | +£34,867 (8.1%) |
| 7 years | £511,135 | +£81,135 | £160,715 | +£53,215 (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 | £33,196 | £442,900 | £23,456 | £7,331 | £20,231 | 14.0% |
| Yr 3 | £34,877 | £469,873 | £24,666 | £23,801 | £63,673 | 44.0% |
| Yr 5 | £36,642 | £498,488 | £25,937 | £42,782 | £111,270 | 77.0% |
| Yr 10 | £41,457 | £577,884 | £29,404 | £102,073 | £249,957 | 172.9% |
| Yr 15 | £46,905 | £669,926 | £33,327 | £180,043 | £419,969 | 290.4% |
| Yr 20 | £53,069 | £776,628 | £37,765 | £279,146 | £625,774 | 432.8% |
| Yr 25 | £60,042 | £900,325 | £42,786 | £402,159 | £872,483 | 603.4% |
| Yr 30 | £67,933 | £1,043,723 | £48,466 | £552,224 | £1,165,947 | 806.3% |
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)
2 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 | £2,351 | 6.6% | 4.2% | £-256 | -7.7% |
| Conservative | £2,572 | 7.2% | 4.9% | £285 | 2.5% |
| Base | £2,766 | 7.7% | 5.5% | £611 | 7.0% |
| Optimistic | £2,987 | 8.3% | 6.1% | £964 | 12.0% |
| Bull | £3,264 | 9.1% | 6.8% | £1,368 | 18.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.72% |
| Net Yield | ●5.45% |
| Net Annual Income | £23,453 |
| Deductions: void 8% (−£2,656) · mgmt 10% (−£3,320) · maint 10% (−£3,320) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,341 |
| Monthly Cashflow (IO) | ●£613 |
| Cash-on-Cash Return | ●5.07% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £33,000 |
| SDLT Effective Rate | 7.67% |
| SDLT (Company) | £33,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,225 |
| SPV Annual Saving | £5,564 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £498,488 |
| Less: Purchase Price | −£430,000 |
| Less: Buying Costs (SDLT + legal) | −£35,600 |
| Less: Selling Costs (est. 2.5%) | −£12,462 |
| = CGT Net Gain (5yr) | £20,426 |
| CGT at 24% | £4,182 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,351 | 6.6% | 4.2% | £-256 | -7.7% |
| Conservative | £2,572 | 7.2% | 4.9% | £285 | 2.5% |
| Base | £2,766 | 7.7% | 5.5% | £611 | 7.0% |
| Optimistic | £2,987 | 8.3% | 6.1% | £964 | 12.0% |
| Bull | £3,264 | 9.1% | 6.8% | £1,368 | 18.5% |