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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 8% above the area median. Offers anchored to area median of £414,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £500 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Bedroom 3 | £350 |
| Entrance Hall | £100 |
| Total Estimated Refurb | £2,900 |
⚠ 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
- £450,000
- 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 | £26,190 | £463,500 | £18,412 | £1,537 | £15,037 | 9.9% |
| Yr 3 | £27,516 | £491,727 | £19,366 | £6,036 | £47,764 | 31.5% |
| Yr 5 | £28,909 | £521,673 | £20,369 | £12,518 | £84,191 | 55.5% |
| Yr 10 | £32,708 | £604,762 | £23,105 | £38,060 | £192,822 | 127.2% |
| Yr 15 | £37,006 | £701,085 | £26,199 | £78,339 | £329,424 | 217.3% |
| Yr 20 | £41,869 | £812,750 | £29,700 | £135,290 | £498,041 | 328.5% |
| Yr 25 | £47,371 | £942,200 | £33,662 | £211,106 | £703,306 | 463.9% |
| Yr 30 | £53,595 | £1,092,268 | £38,144 | £308,264 | £950,533 | 627.0% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,856 | 5.0% | 3.1% | £-659 | -12.7% |
| Conservative | £2,031 | 5.4% | 3.7% | £-162 | -1.7% |
| Base | £2,184 | 5.8% | 4.1% | £129 | 3.0% |
| Optimistic | £2,359 | 6.3% | 4.6% | £443 | 8.4% |
| Bull | £2,577 | 6.9% | 5.1% | £797 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.82% |
| Net Yield | ●4.09% |
| Net Annual Income | £18,425 |
| Deductions: void 8% (−£2,095) · mgmt 10% (−£2,619) · maint 10% (−£2,619) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,403 |
| Monthly Cashflow (IO) | ●£132 |
| Cash-on-Cash Return | ●1.02% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £35,000 |
| SDLT Effective Rate | 7.78% |
| SDLT (Company) | £35,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,375 |
| SPV Annual Saving | £4,624 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £521,673 |
| Less: Purchase Price | −£450,000 |
| Less: Buying Costs (SDLT + legal) | −£37,600 |
| Less: Selling Costs (est. 2.5%) | −£13,042 |
| = CGT Net Gain (5yr) | £21,031 |
| CGT at 24% | £4,328 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,856 | 5.0% | 3.1% | £-659 | -12.7% |
| Conservative | £2,031 | 5.4% | 3.7% | £-162 | -1.7% |
| Base | £2,184 | 5.8% | 4.1% | £129 | 3.0% |
| Optimistic | £2,359 | 6.3% | 4.6% | £443 | 8.4% |
| Bull | £2,577 | 6.9% | 5.1% | £797 | 15.2% |
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