🔒 Sign in to view the address
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £403,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £2,000 |
| Living Room | £1,150 |
| Master Bedroom | £900 |
| Bedroom 2 | £900 |
| Bedroom 3 | £900 |
| Entrance Hall | £250 |
| Total Estimated Refurb | £7,250 |
⚠ 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 | 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
- £450,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £24,300 | £463,500 | £17,051 | £176 | £13,676 | 9.0% |
| Yr 3 | £25,530 | £491,727 | £17,937 | £1,851 | £43,578 | 28.7% |
| Yr 5 | £26,823 | £521,673 | £18,867 | £5,365 | £77,038 | 50.8% |
| Yr 10 | £30,347 | £604,762 | £21,405 | £22,814 | £177,577 | 117.1% |
| Yr 15 | £34,335 | £701,085 | £24,276 | £53,937 | £305,022 | 201.2% |
| Yr 20 | £38,847 | £812,750 | £27,525 | £100,529 | £463,279 | 305.6% |
| Yr 25 | £43,952 | £942,200 | £31,200 | £164,624 | £656,824 | 433.3% |
| Yr 30 | £49,728 | £1,092,268 | £35,359 | £248,522 | £890,790 | 587.6% |
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)
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 | £1,720 | 4.6% | 2.9% | £-747 | -13.9% |
| Conservative | £1,882 | 5.0% | 3.4% | £-266 | -2.7% |
| Base | £2,024 | 5.4% | 3.8% | £14 | 2.1% |
| Optimistic | £2,186 | 5.8% | 4.2% | £315 | 7.6% |
| Bull | £2,388 | 6.4% | 4.7% | £653 | 14.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.4% |
| Net Yield | ●3.79% |
| Net Annual Income | £17,042 |
| Deductions: void 8% (−£1,944) · mgmt 10% (−£2,430) · maint 10% (−£2,430) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,403 |
| Monthly Cashflow (IO) | ●£17 |
| Cash-on-Cash Return | ●0.11% |
| 5-Year IRR | ●2.1% |
● 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 | £4,355 |
| 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 | £1,720 | 4.6% | 2.9% | £-747 | -13.9% |
| Conservative | £1,882 | 5.0% | 3.4% | £-266 | -2.7% |
| Base | £2,024 | 5.4% | 3.8% | £14 | 2.1% |
| Optimistic | £2,186 | 5.8% | 4.2% | £315 | 7.6% |
| Bull | £2,388 | 6.4% | 4.7% | £653 | 14.4% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →