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Terraced · 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
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Home Builder London Ltd: Building & Renovation Services | 07473 463936 | — |
| decorator | Painting and Decorating London - David Banks & Company | 020 7385 9759 | — |
| photographer | London vacation photographer | 07879 455 932 | — |
Property Details
- Asking Price
- £650,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,500–1,600 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 | £38,025 | £669,500 | £26,933 | £2,558 | £22,058 | 10.0% |
| Yr 3 | £39,950 | £710,273 | £28,319 | £9,744 | £70,017 | 31.6% |
| Yr 5 | £41,972 | £753,528 | £29,775 | £19,808 | £123,336 | 55.7% |
| Yr 10 | £47,488 | £873,546 | £33,746 | £58,526 | £282,072 | 127.3% |
| Yr 15 | £53,728 | £1,012,679 | £38,239 | £118,640 | £481,319 | 217.2% |
| Yr 20 | £60,789 | £1,173,972 | £43,323 | £202,962 | £726,934 | 328.0% |
| Yr 25 | £68,777 | £1,360,956 | £49,074 | £314,671 | £1,025,627 | 462.8% |
| Yr 30 | £77,815 | £1,577,721 | £55,582 | £457,368 | £1,385,089 | 625.0% |
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
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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 | £2,694 | 5.0% | 3.2% | £-926 | -12.7% |
| Conservative | £2,948 | 5.4% | 3.7% | £-208 | -1.8% |
| Base | £3,170 | 5.9% | 4.1% | £214 | 2.9% |
| Optimistic | £3,424 | 6.3% | 4.6% | £668 | 8.2% |
| Bull | £3,741 | 6.9% | 5.2% | £1,181 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.85% |
| Net Yield | ●4.15% |
| Net Annual Income | £26,944 |
| Deductions: void 8% (−£3,042) · mgmt 10% (−£3,802) · maint 10% (−£3,802) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,027 |
| Monthly Cashflow (IO) | ●£218 |
| Cash-on-Cash Return | ●1.16% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £55,000 |
| SDLT Effective Rate | 8.46% |
| SDLT (Company) | £97,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,875 |
| SPV Annual Saving | £6,656 |
| SPV Breakeven | 6.4 yrs |
| CGT Projected Sale (5yr) | £753,528 |
| Less: Purchase Price | −£650,000 |
| Less: Buying Costs (SDLT + legal) | −£57,600 |
| Less: Selling Costs (est. 2.5%) | −£18,838 |
| = CGT Net Gain (5yr) | £27,090 |
| CGT at 24% | £5,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,694 | 5.0% | 3.2% | £-926 | -12.7% |
| Conservative | £2,948 | 5.4% | 3.7% | £-208 | -1.8% |
| Base | £3,170 | 5.9% | 4.1% | £214 | 2.9% |
| Optimistic | £3,424 | 6.3% | 4.6% | £668 | 8.2% |
| Bull | £3,741 | 6.9% | 5.2% | £1,181 | 15.0% |
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