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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 57% above the area median. Offers anchored to area median of £222,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,400 |
| Bathroom | £3,250 |
| Living Room | £1,950 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| Bedroom 4 | £1,100 |
| Entrance Hall | £450 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | John Russen Builders: Home | 07766414920 | — |
| decorator | Norwich Painter & Decorator, Jonathan Miller, Interior, Exterior ... | 07766 023097 | — |
| photographer | ETT Photography | 07733 102069 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- 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 | £19,040 | £360,500 | £13,264 | £139 | £10,639 | 9.1% |
| Yr 3 | £20,004 | £382,454 | £13,958 | £1,453 | £33,908 | 29.1% |
| Yr 5 | £21,017 | £405,746 | £14,687 | £4,208 | £59,954 | 51.4% |
| Yr 10 | £23,778 | £470,371 | £16,675 | £17,885 | £138,256 | 118.6% |
| Yr 15 | £26,903 | £545,289 | £18,925 | £42,275 | £237,564 | 203.7% |
| Yr 20 | £30,438 | £632,139 | £21,471 | £78,787 | £360,926 | 309.5% |
| Yr 25 | £34,438 | £732,822 | £24,350 | £129,012 | £511,834 | 439.0% |
| Yr 30 | £38,964 | £849,542 | £27,609 | £194,753 | £694,295 | 595.5% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,349 | 4.6% | 2.9% | £-582 | -13.7% |
| Conservative | £1,476 | 5.1% | 3.4% | £-207 | -2.4% |
| Base | £1,587 | 5.4% | 3.8% | £12 | 2.4% |
| Optimistic | £1,714 | 5.9% | 4.2% | £247 | 7.9% |
| Bull | £1,873 | 6.4% | 4.8% | £511 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.44% |
| Net Yield | ●3.79% |
| Net Annual Income | £13,267 |
| Deductions: void 8% (−£1,523) · mgmt 10% (−£1,904) · maint 10% (−£1,904) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£14 |
| Cash-on-Cash Return | ●0.12% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,433 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,349 | 4.6% | 2.9% | £-582 | -13.7% |
| Conservative | £1,476 | 5.1% | 3.4% | £-207 | -2.4% |
| Base | £1,587 | 5.4% | 3.8% | £12 | 2.4% |
| Optimistic | £1,714 | 5.9% | 4.2% | £247 | 7.9% |
| Bull | £1,873 | 6.4% | 4.8% | £511 | 14.7% |
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