🔒 Sign in to view the address
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 30% 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
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,350 |
| Bedroom 2 | £1,350 |
| Bedroom 3 | £1,350 |
| Bedroom 4 | £1,350 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | Builders Enfield North London EN1 home improvement local Builders | 0208 688 5570 | — |
| decorator | Residential and Commercial Painter and Decorator Enfield | 020 3514 4618 | — |
| photographer | Enfield Photographer - Children, Families, Headshots, Personal ... | 07976 374412 | — |
Property Details
- Asking Price
- £550,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,700–1,800 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £32,725 | £566,500 | £23,117 | £2,492 | £18,992 | 10.2% |
| Yr 3 | £34,382 | £601,000 | £24,310 | £9,258 | £60,258 | 32.3% |
| Yr 5 | £36,122 | £637,601 | £25,563 | £18,500 | £106,100 | 56.9% |
| Yr 10 | £40,869 | £739,154 | £28,981 | £53,274 | £242,428 | 129.9% |
| Yr 15 | £46,240 | £856,882 | £32,847 | £106,462 | £413,344 | 221.5% |
| Yr 20 | £52,316 | £993,361 | £37,222 | £180,483 | £623,844 | 334.3% |
| Yr 25 | £59,191 | £1,151,578 | £42,172 | £278,075 | £879,653 | 471.4% |
| Yr 30 | £66,969 | £1,334,994 | £47,772 | £402,335 | £1,187,330 | 636.3% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,320 | 5.1% | 3.2% | £-764 | -12.4% |
| Conservative | £2,538 | 5.5% | 3.8% | £-151 | -1.5% |
| Base | £2,729 | 6.0% | 4.2% | £209 | 3.2% |
| Optimistic | £2,947 | 6.4% | 4.7% | £597 | 8.5% |
| Bull | £3,220 | 7.0% | 5.3% | £1,035 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.95% |
| Net Yield | ●4.21% |
| Net Annual Income | £23,134 |
| Deductions: void 8% (−£2,618) · mgmt 10% (−£3,272) · maint 10% (−£3,272) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,715 |
| Monthly Cashflow (IO) | ●£213 |
| Cash-on-Cash Return | ●1.34% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £45,000 |
| SDLT Effective Rate | 8.18% |
| SDLT (Company) | £82,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,125 |
| SPV Annual Saving | £5,727 |
| SPV Breakeven | 6.5 yrs |
| CGT Projected Sale (5yr) | £637,601 |
| Less: Purchase Price | −£550,000 |
| Less: Buying Costs (SDLT + legal) | −£47,600 |
| Less: Selling Costs (est. 2.5%) | −£15,940 |
| = CGT Net Gain (5yr) | £24,061 |
| CGT at 24% | £5,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,320 | 5.1% | 3.2% | £-764 | -12.4% |
| Conservative | £2,538 | 5.5% | 3.8% | £-151 | -1.5% |
| Base | £2,729 | 6.0% | 4.2% | £209 | 3.2% |
| Optimistic | £2,947 | 6.4% | 4.7% | £597 | 8.5% |
| Bull | £3,220 | 7.0% | 5.3% | £1,035 | 15.2% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →