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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 25% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,300 |
| Bathroom | £1,700 |
| Living Room | £950 |
| Hallway / Stairs | £350 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Bedroom 4 | £550 |
| Total Estimated Refurb | £6,250 |
⚠ 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £450,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 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 | £24,885 | £463,500 | £17,472 | £597 | £14,097 | 9.3% |
| Yr 3 | £26,145 | £491,727 | £18,379 | £3,147 | £44,874 | 29.6% |
| Yr 5 | £27,468 | £521,673 | £19,332 | £7,579 | £79,252 | 52.3% |
| Yr 10 | £31,078 | £604,762 | £21,931 | £27,533 | £182,296 | 120.2% |
| Yr 15 | £35,162 | £701,085 | £24,872 | £61,490 | £312,575 | 206.2% |
| Yr 20 | £39,782 | £812,750 | £28,198 | £111,289 | £474,039 | 312.7% |
| Yr 25 | £45,010 | £942,200 | £31,962 | £179,011 | £671,212 | 442.8% |
| Yr 30 | £50,925 | £1,092,268 | £36,221 | £267,014 | £909,282 | 599.8% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,761 | 4.7% | 3.0% | £-720 | -13.5% |
| Conservative | £1,927 | 5.1% | 3.5% | £-235 | -2.4% |
| Base | £2,072 | 5.5% | 3.9% | £49 | 2.4% |
| Optimistic | £2,238 | 6.0% | 4.3% | £353 | 7.8% |
| Bull | £2,445 | 6.5% | 4.9% | £696 | 14.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.53% |
| Net Yield | ●3.88% |
| Net Annual Income | £17,457 |
| Deductions: void 8% (−£1,991) · mgmt 10% (−£2,488) · maint 10% (−£2,488) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,403 |
| Monthly Cashflow (IO) | ●£52 |
| Cash-on-Cash Return | ●0.38% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £35,000 |
| SDLT Effective Rate | 7.78% |
| SDLT (Company) | £35,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,375 |
| SPV Annual Saving | £4,435 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £521,673 |
| Less: Purchase Price | −£450,000 |
| Less: Buying Costs (SDLT + legal) | −£37,600 |
| Less: Selling Costs (est. 2.5%) | −£13,042 |
| = CGT Net Gain (5yr) | £21,031 |
| CGT at 24% | £4,328 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,761 | 4.7% | 3.0% | £-720 | -13.5% |
| Conservative | £1,927 | 5.1% | 3.5% | £-235 | -2.4% |
| Base | £2,072 | 5.5% | 3.9% | £49 | 2.4% |
| Optimistic | £2,238 | 6.0% | 4.3% | £353 | 7.8% |
| Bull | £2,445 | 6.5% | 4.9% | £696 | 14.6% |
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