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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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
- £425,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 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 | £24,268 | £437,750 | £17,028 | £1,090 | £13,840 | 9.7% |
| Yr 3 | £25,496 | £464,409 | £17,912 | £4,592 | £44,001 | 30.8% |
| Yr 5 | £26,787 | £492,691 | £18,841 | £9,929 | £77,621 | 54.3% |
| Yr 10 | £30,307 | £571,164 | £21,376 | £31,927 | £178,092 | 124.7% |
| Yr 15 | £34,289 | £662,136 | £24,243 | £67,580 | £304,716 | 213.3% |
| Yr 20 | £38,795 | £767,597 | £27,488 | £118,682 | £461,279 | 322.9% |
| Yr 25 | £43,893 | £889,856 | £31,158 | £187,262 | £652,118 | 456.5% |
| Yr 30 | £49,661 | £1,031,587 | £35,311 | £275,619 | £882,206 | 617.6% |
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)
1 planning application 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 | £1,720 | 4.9% | 3.1% | £-645 | -13.0% |
| Conservative | £1,882 | 5.3% | 3.6% | £-180 | -1.9% |
| Base | £2,024 | 5.7% | 4.0% | £92 | 2.8% |
| Optimistic | £2,186 | 6.2% | 4.5% | £385 | 8.2% |
| Bull | £2,388 | 6.7% | 5.0% | £716 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.71% |
| Net Yield | ●4.01% |
| Net Annual Income | £17,042 |
| Deductions: void 8% (−£1,941) · mgmt 10% (−£2,427) · maint 10% (−£2,427) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,325 |
| Monthly Cashflow (IO) | ●£95 |
| Cash-on-Cash Return | ●0.77% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,500 |
| SDLT Effective Rate | 7.65% |
| SDLT (Company) | £32,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,188 |
| SPV Annual Saving | £4,309 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £492,691 |
| Less: Purchase Price | −£425,000 |
| Less: Buying Costs (SDLT + legal) | −£35,100 |
| Less: Selling Costs (est. 2.5%) | −£12,317 |
| = CGT Net Gain (5yr) | £20,274 |
| CGT at 24% | £4,146 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,720 | 4.9% | 3.1% | £-645 | -13.0% |
| Conservative | £1,882 | 5.3% | 3.6% | £-180 | -1.9% |
| Base | £2,024 | 5.7% | 4.0% | £92 | 2.8% |
| Optimistic | £2,186 | 6.2% | 4.5% | £385 | 8.2% |
| Bull | £2,388 | 6.7% | 5.0% | £716 | 15.0% |
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