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Terraced · 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
AI condition score: 8/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £850 |
| Bathroom | £650 |
| Living Room | £350 |
| Hallway / Stairs | £150 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Bedroom 4 | £200 |
| Total Estimated Refurb | £2,300 |
⚠ 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 | CJ Smiths Builders St Albans | 01727 637183 | — |
| decorator | St Albans Decor: Trusted local painters and decorators St ... | 07748 652 566 | — |
| photographer | Home - St Albans Family Photographer | Sarah Daghestani | St ... | 07958740678 | — |
Property Details
- Asking Price
- £650,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £34,645 | £669,500 | £24,499 | £124 | £19,624 | 8.9% |
| Yr 3 | £36,399 | £710,273 | £25,762 | £2,260 | £62,532 | 28.2% |
| Yr 5 | £38,242 | £753,528 | £27,089 | £7,016 | £110,544 | 49.9% |
| Yr 10 | £43,267 | £873,546 | £30,707 | £31,262 | £254,807 | 115.0% |
| Yr 15 | £48,952 | £1,012,679 | £34,801 | £75,001 | £437,680 | 197.5% |
| Yr 20 | £55,385 | £1,173,972 | £39,432 | £140,796 | £664,768 | 300.0% |
| Yr 25 | £62,663 | £1,360,956 | £44,673 | £231,545 | £942,501 | 425.3% |
| Yr 30 | £70,898 | £1,577,721 | £50,601 | £350,527 | £1,278,247 | 576.8% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,452 | 4.5% | 2.9% | £-1,084 | -14.1% |
| Conservative | £2,683 | 5.0% | 3.4% | £-393 | -3.0% |
| Base | £2,885 | 5.3% | 3.8% | £9 | 1.8% |
| Optimistic | £3,116 | 5.8% | 4.2% | £440 | 7.2% |
| Bull | £3,404 | 6.3% | 4.7% | £925 | 14.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.33% |
| Net Yield | ●3.77% |
| Net Annual Income | £24,481 |
| Deductions: void 8% (−£2,772) · mgmt 10% (−£3,464) · maint 10% (−£3,464) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,027 |
| Monthly Cashflow (IO) | ●£13 |
| Cash-on-Cash Return | ●0.05% |
| 5-Year IRR | ●1.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £55,000 |
| SDLT Effective Rate | 8.46% |
| SDLT (Company) | £97,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,875 |
| SPV Annual Saving | £6,177 |
| SPV Breakeven | 6.9 yrs |
| CGT Projected Sale (5yr) | £753,528 |
| Less: Purchase Price | −£650,000 |
| Less: Buying Costs (SDLT + legal) | −£57,600 |
| Less: Selling Costs (est. 2.5%) | −£18,838 |
| = CGT Net Gain (5yr) | £27,090 |
| CGT at 24% | £5,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,452 | 4.5% | 2.9% | £-1,084 | -14.1% |
| Conservative | £2,683 | 5.0% | 3.4% | £-393 | -3.0% |
| Base | £2,885 | 5.3% | 3.8% | £9 | 1.8% |
| Optimistic | £3,116 | 5.8% | 4.2% | £440 | 7.2% |
| Bull | £3,404 | 6.3% | 4.7% | £925 | 14.1% |
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