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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
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
- £439,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- 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 | £24,285 | £453,148 | £17,040 | £542 | £13,741 | 9.3% |
| Yr 3 | £25,515 | £480,745 | £17,926 | £2,949 | £43,744 | 29.5% |
| Yr 5 | £26,806 | £510,023 | £18,856 | £7,193 | £77,266 | 52.2% |
| Yr 10 | £30,329 | £591,256 | £21,392 | £26,464 | £177,770 | 120.0% |
| Yr 15 | £34,314 | £685,428 | £24,261 | £59,400 | £304,877 | 205.9% |
| Yr 20 | £38,824 | £794,599 | £27,508 | £107,795 | £462,444 | 312.3% |
| Yr 25 | £43,925 | £921,158 | £31,181 | £173,683 | £654,891 | 442.2% |
| Yr 30 | £49,697 | £1,067,874 | £35,337 | £259,361 | £887,286 | 599.2% |
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
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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 | £1,720 | 4.7% | 2.9% | £-706 | -13.5% |
| Conservative | £1,882 | 5.1% | 3.5% | £-232 | -2.4% |
| Base | £2,024 | 5.5% | 3.9% | £45 | 2.4% |
| Optimistic | £2,186 | 6.0% | 4.3% | £343 | 7.8% |
| Bull | £2,388 | 6.5% | 4.8% | £678 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.52% |
| Net Yield | ●3.87% |
| Net Annual Income | £17,042 |
| Deductions: void 8% (−£1,943) · mgmt 10% (−£2,429) · maint 10% (−£2,429) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,372 |
| Monthly Cashflow (IO) | ●£48 |
| Cash-on-Cash Return | ●0.37% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £33,995 |
| SDLT Effective Rate | 7.73% |
| SDLT (Company) | £33,995 |
| Section 24 Extra Tax/yr (higher rate) | £3,300 |
| SPV Annual Saving | £4,337 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £510,023 |
| Less: Purchase Price | −£439,950 |
| Less: Buying Costs (SDLT + legal) | −£36,595 |
| Less: Selling Costs (est. 2.5%) | −£12,751 |
| = CGT Net Gain (5yr) | £20,727 |
| CGT at 24% | £4,254 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,720 | 4.7% | 2.9% | £-706 | -13.5% |
| Conservative | £1,882 | 5.1% | 3.5% | £-232 | -2.4% |
| Base | £2,024 | 5.5% | 3.9% | £45 | 2.4% |
| Optimistic | £2,186 | 6.0% | 4.3% | £343 | 7.8% |
| Bull | £2,388 | 6.5% | 4.8% | £678 | 14.7% |
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