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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 12% above the area median. Offers anchored to area median of £204,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,100 |
| Bathroom | £1,550 |
| Living Room | £900 |
| Master Bedroom | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| Entrance Hall | £250 |
| Total Estimated Refurb | £5,750 |
⚠ 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
- £230,000
- Property Type
- End of Terrace
- 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 | £13,639 | £236,900 | £9,375 | £750 | £7,650 | 10.2% |
| Yr 3 | £14,329 | £251,327 | £9,872 | £2,993 | £24,320 | 32.3% |
| Yr 5 | £15,055 | £266,633 | £10,395 | £6,268 | £42,901 | 57.0% |
| Yr 10 | £17,033 | £309,101 | £11,819 | £19,318 | £98,419 | 130.9% |
| Yr 15 | £19,272 | £358,333 | £13,431 | £40,043 | £168,375 | 223.9% |
| Yr 20 | £21,804 | £415,406 | £15,254 | £69,451 | £254,856 | 338.9% |
| Yr 25 | £24,669 | £481,569 | £17,317 | £108,682 | £360,251 | 479.1% |
| Yr 30 | £27,911 | £558,270 | £19,651 | £159,028 | £487,298 | 648.0% |
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
View all planning applications on your dashboard →
● 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 | 5.0% | 3.1% | £-344 | -12.3% |
| Conservative | £1,056 | 5.5% | 3.7% | £-88 | -1.1% |
| Base | £1,136 | 5.9% | 4.1% | £62 | 3.7% |
| Optimistic | £1,227 | 6.4% | 4.5% | £224 | 9.1% |
| Bull | £1,340 | 7.0% | 5.1% | £407 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.93% |
| Net Yield | ●4.07% |
| Net Annual Income | £9,370 |
| Deductions: void 8% (−£1,091) · mgmt 10% (−£1,364) · maint 10% (−£1,364) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£64 |
| Cash-on-Cash Return | ●0.99% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £2,451 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 5.0% | 3.1% | £-344 | -12.3% |
| Conservative | £1,056 | 5.5% | 3.7% | £-88 | -1.1% |
| Base | £1,136 | 5.9% | 4.1% | £62 | 3.7% |
| Optimistic | £1,227 | 6.4% | 4.5% | £224 | 9.1% |
| Bull | £1,340 | 7.0% | 5.1% | £407 | 15.9% |
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