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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 East London: Your First Call for General Builders ... | 0203 305 7656 | — |
| decorator | Expert Residential & Commercial Painting Services in London | 07712680424 | — |
| photographer | Vistolia Photography Hackney | 07709 654594 | — |
Property Details
- Asking Price
- £460,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,300–1,400 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 | £26,220 | £473,800 | £18,433 | £1,183 | £14,983 | 9.7% |
| Yr 3 | £27,547 | £502,654 | £19,389 | £4,978 | £47,632 | 30.7% |
| Yr 5 | £28,942 | £533,266 | £20,393 | £10,756 | £84,022 | 54.2% |
| Yr 10 | £32,745 | £618,202 | £23,132 | £34,552 | £192,753 | 124.3% |
| Yr 15 | £37,048 | £716,665 | £26,230 | £73,101 | £329,766 | 212.6% |
| Yr 20 | £41,917 | £830,811 | £29,735 | £128,342 | £499,153 | 321.8% |
| Yr 25 | £47,425 | £963,138 | £33,701 | £202,469 | £705,607 | 454.9% |
| Yr 30 | £53,657 | £1,116,541 | £38,188 | £297,963 | £954,504 | 615.4% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,856 | 4.8% | 3.1% | £-699 | -13.1% |
| Conservative | £2,031 | 5.3% | 3.6% | £-197 | -2.0% |
| Base | £2,184 | 5.7% | 4.0% | £98 | 2.7% |
| Optimistic | £2,359 | 6.2% | 4.5% | £415 | 8.1% |
| Bull | £2,577 | 6.7% | 5.0% | £772 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.7% |
| Net Yield | ●4.01% |
| Net Annual Income | £18,425 |
| Deductions: void 8% (−£2,098) · mgmt 10% (−£2,622) · maint 10% (−£2,622) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,435 |
| Monthly Cashflow (IO) | ●£100 |
| Cash-on-Cash Return | ●0.76% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £36,000 |
| SDLT Effective Rate | 7.83% |
| SDLT (Company) | £36,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,450 |
| SPV Annual Saving | £4,643 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £533,266 |
| Less: Purchase Price | −£460,000 |
| Less: Buying Costs (SDLT + legal) | −£38,600 |
| Less: Selling Costs (est. 2.5%) | −£13,332 |
| = CGT Net Gain (5yr) | £21,334 |
| CGT at 24% | £4,400 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,856 | 4.8% | 3.1% | £-699 | -13.1% |
| Conservative | £2,031 | 5.3% | 3.6% | £-197 | -2.0% |
| Base | £2,184 | 5.7% | 4.0% | £98 | 2.7% |
| Optimistic | £2,359 | 6.2% | 4.5% | £415 | 8.1% |
| Bull | £2,577 | 6.7% | 5.0% | £772 | 14.9% |
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