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End of Terrace · 4 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 | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| Bedroom 4 | £1,400 |
| Entrance Hall | £550 |
| 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 | Building Services Ilford, IG1 - Rob The Builder | 020 3952 3265 | — |
| decorator | Painter and decorator Ilford, Loxford, IG1. Call Now 020 8719 0128. | 02087190128 | — |
| photographer | AD Photo Studio | 020 8478 6454 | — |
Property Details
- Asking Price
- £500,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 sqft (est.)
- 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 | £30,050 | £515,000 | £21,191 | £2,441 | £17,441 | 10.3% |
| Yr 3 | £31,571 | £546,364 | £22,286 | £8,959 | £55,323 | 32.7% |
| Yr 5 | £33,170 | £579,637 | £23,437 | £17,751 | £97,388 | 57.6% |
| Yr 10 | £37,528 | £671,958 | £26,575 | £50,446 | £222,405 | 131.5% |
| Yr 15 | £42,460 | £778,984 | £30,126 | £100,050 | £379,034 | 224.1% |
| Yr 20 | £48,039 | £903,056 | £34,143 | £168,784 | £571,840 | 338.2% |
| Yr 25 | £54,352 | £1,046,889 | £38,689 | £259,162 | £806,051 | 476.7% |
| Yr 30 | £61,495 | £1,213,631 | £43,831 | £374,029 | £1,087,660 | 643.2% |
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 | £2,128 | 5.1% | 3.2% | £-685 | -12.2% |
| Conservative | £2,329 | 5.6% | 3.8% | £-126 | -1.4% |
| Base | £2,504 | 6.0% | 4.2% | £203 | 3.3% |
| Optimistic | £2,704 | 6.5% | 4.7% | £558 | 8.7% |
| Bull | £2,955 | 7.1% | 5.3% | £959 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●6.01% |
| Net Yield | ●4.24% |
| Net Annual Income | £21,190 |
| Deductions: void 8% (−£2,404) · mgmt 10% (−£3,005) · maint 10% (−£3,005) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,559 |
| Monthly Cashflow (IO) | ●£207 |
| Cash-on-Cash Return | ●1.44% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £40,000 |
| SDLT Effective Rate | 8.0% |
| SDLT (Company) | £40,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,750 |
| SPV Annual Saving | £5,255 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £579,637 |
| Less: Purchase Price | −£500,000 |
| Less: Buying Costs (SDLT + legal) | −£42,600 |
| Less: Selling Costs (est. 2.5%) | −£14,491 |
| = CGT Net Gain (5yr) | £22,546 |
| CGT at 24% | £4,691 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,128 | 5.1% | 3.2% | £-685 | -12.2% |
| Conservative | £2,329 | 5.6% | 3.8% | £-126 | -1.4% |
| Base | £2,504 | 6.0% | 4.2% | £203 | 3.3% |
| Optimistic | £2,704 | 6.5% | 4.7% | £558 | 8.7% |
| Bull | £2,955 | 7.1% | 5.3% | £959 | 15.4% |
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