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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% 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
- £240,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £13,632 | £247,200 | £9,370 | £370 | £7,570 | 9.7% |
| Yr 3 | £14,322 | £262,254 | £9,867 | £1,852 | £24,107 | 30.7% |
| Yr 5 | £15,047 | £278,226 | £10,389 | £4,366 | £42,592 | 54.3% |
| Yr 10 | £17,025 | £322,540 | £11,813 | £15,512 | £98,052 | 125.1% |
| Yr 15 | £19,262 | £373,912 | £13,423 | £34,328 | £168,240 | 214.6% |
| Yr 20 | £21,793 | £433,467 | £15,246 | £61,822 | £255,289 | 325.6% |
| Yr 25 | £24,657 | £502,507 | £17,308 | £99,135 | £361,642 | 461.3% |
| Yr 30 | £27,897 | £582,543 | £19,641 | £147,557 | £490,100 | 625.1% |
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 | 4.8% | 3.0% | £-384 | -12.9% |
| Conservative | £1,056 | 5.3% | 3.5% | £-123 | -1.6% |
| Base | £1,136 | 5.7% | 3.9% | £31 | 3.2% |
| Optimistic | £1,227 | 6.1% | 4.4% | £196 | 8.6% |
| Bull | £1,340 | 6.7% | 4.9% | £382 | 15.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.68% |
| Net Yield | ●3.9% |
| Net Annual Income | £9,370 |
| Deductions: void 8% (−£1,091) · mgmt 10% (−£1,363) · maint 10% (−£1,363) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £748 |
| Monthly Cashflow (IO) | ●£33 |
| Cash-on-Cash Return | ●0.47% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,300 |
| SDLT Effective Rate | 5.96% |
| SDLT (Company) | £14,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,800 |
| SPV Annual Saving | £2,470 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £278,226 |
| Less: Purchase Price | −£240,000 |
| Less: Buying Costs (SDLT + legal) | −£16,900 |
| Less: Selling Costs (est. 2.5%) | −£6,956 |
| = CGT Net Gain (5yr) | £14,370 |
| CGT at 24% | £2,729 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 4.8% | 3.0% | £-384 | -12.9% |
| Conservative | £1,056 | 5.3% | 3.5% | £-123 | -1.6% |
| Base | £1,136 | 5.7% | 3.9% | £31 | 3.2% |
| Optimistic | £1,227 | 6.1% | 4.4% | £196 | 8.6% |
| Bull | £1,340 | 6.7% | 4.9% | £382 | 15.5% |
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