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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 27% above the area median. Offers anchored to area median of £471,000. 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 | £900 |
| Bathroom | £650 |
| Living Room | £400 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Bedroom 4 | £200 |
| Entrance Hall | £100 |
| 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 | Elite Building Services | Builders Cambridge | 07482 007 555 | — |
| decorator | Giuseppe Piran: Painters and Decorators Cambridge | 01954 201167 | — |
| photographer | Elodie Giuge Photography | 07944 399893 | — |
Property Details
- Asking Price
- £600,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,300–1,400 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 | £31,800 | £618,000 | £22,451 | £-49 | £17,951 | 8.8% |
| Yr 3 | £33,410 | £655,636 | £23,610 | £1,585 | £57,221 | 28.0% |
| Yr 5 | £35,101 | £695,564 | £24,828 | £5,624 | £101,188 | 49.6% |
| Yr 10 | £39,714 | £806,350 | £28,149 | £27,063 | £233,412 | 114.4% |
| Yr 15 | £44,933 | £934,780 | £31,906 | £66,394 | £401,175 | 196.6% |
| Yr 20 | £50,837 | £1,083,667 | £36,158 | £125,970 | £609,637 | 298.7% |
| Yr 25 | £57,517 | £1,256,267 | £40,968 | £208,451 | £864,718 | 423.7% |
| Yr 30 | £65,076 | £1,456,357 | £46,410 | £316,846 | £1,173,204 | 574.8% |
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 | £2,253 | 4.5% | 2.9% | £-1,010 | -14.2% |
| Conservative | £2,465 | 4.9% | 3.4% | £-374 | -3.0% |
| Base | £2,651 | 5.3% | 3.7% | £-3 | 1.8% |
| Optimistic | £2,863 | 5.7% | 4.2% | £394 | 7.2% |
| Bull | £3,128 | 6.3% | 4.7% | £840 | 14.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.3% |
| Net Yield | ●3.74% |
| Net Annual Income | £22,460 |
| Deductions: void 8% (−£2,544) · mgmt 10% (−£3,180) · maint 10% (−£3,180) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,871 |
| Monthly Cashflow (IO) | ●£1 |
| Cash-on-Cash Return | ●-0.02% |
| 5-Year IRR | ●1.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £50,000 |
| SDLT Effective Rate | 8.33% |
| SDLT (Company) | £90,000 |
| Section 24 Extra Tax/yr (higher rate) | £4,500 |
| SPV Annual Saving | £5,680 |
| SPV Breakeven | 7.0 yrs |
| CGT Projected Sale (5yr) | £695,564 |
| Less: Purchase Price | −£600,000 |
| Less: Buying Costs (SDLT + legal) | −£52,600 |
| Less: Selling Costs (est. 2.5%) | −£17,389 |
| = CGT Net Gain (5yr) | £25,575 |
| CGT at 24% | £5,418 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,253 | 4.5% | 2.9% | £-1,010 | -14.2% |
| Conservative | £2,465 | 4.9% | 3.4% | £-374 | -3.0% |
| Base | £2,651 | 5.3% | 3.7% | £-3 | 1.8% |
| Optimistic | £2,863 | 5.7% | 4.2% | £394 | 7.2% |
| Bull | £3,128 | 6.3% | 4.7% | £840 | 14.1% |
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