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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 10% above the area median. Offers anchored to area median of £226,000. 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 | £850 |
| Bathroom | £650 |
| Living Room | £350 |
| Hallway / Stairs | £150 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| 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 | John Russen Builders: Home | 07766414920 | — |
| decorator | Norwich Painter & Decorator, Jonathan Miller, Interior, Exterior ... | 07766 023097 | — |
| photographer | ETT Photography | 07733 102069 | — |
Property Details
- Asking Price
- £250,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- 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 | £13,625 | £257,500 | £9,365 | £-10 | £7,490 | 9.2% |
| Yr 3 | £14,315 | £273,182 | £9,862 | £712 | £23,894 | 29.3% |
| Yr 5 | £15,039 | £289,819 | £10,383 | £2,465 | £42,283 | 51.8% |
| Yr 10 | £17,016 | £335,979 | £11,806 | £11,705 | £97,684 | 119.7% |
| Yr 15 | £19,252 | £389,492 | £13,416 | £28,612 | £168,104 | 206.0% |
| Yr 20 | £21,782 | £451,528 | £15,238 | £54,193 | £255,721 | 313.4% |
| Yr 25 | £24,644 | £523,444 | £17,299 | £89,588 | £363,032 | 444.9% |
| Yr 30 | £27,882 | £606,816 | £19,630 | £136,086 | £492,901 | 604.0% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 4.6% | 2.8% | £-425 | -13.5% |
| Conservative | £1,056 | 5.1% | 3.4% | £-157 | -2.1% |
| Base | £1,136 | 5.5% | 3.7% | £-0 | 2.8% |
| Optimistic | £1,227 | 5.9% | 4.2% | £168 | 8.2% |
| Bull | £1,340 | 6.4% | 4.7% | £357 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.45% |
| Net Yield | ●3.75% |
| Net Annual Income | £9,370 |
| Deductions: void 8% (−£1,090) · mgmt 10% (−£1,362) · maint 10% (−£1,362) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£1 |
| Cash-on-Cash Return | ●-0.01% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £2,487 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 4.6% | 2.8% | £-425 | -13.5% |
| Conservative | £1,056 | 5.1% | 3.4% | £-157 | -2.1% |
| Base | £1,136 | 5.5% | 3.7% | £-0 | 2.8% |
| Optimistic | £1,227 | 5.9% | 4.2% | £168 | 8.2% |
| Bull | £1,340 | 6.4% | 4.7% | £357 | 15.1% |
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