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Maisonette · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 10% below the area median — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £2,750 |
| Bedroom 2 | £2,750 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | M Cole Builders: Builders | Building Services | Romford | 01708 755771 | — |
| decorator | Painters and Decorators Romford | Byron Quality Decorators | 01708 378 624 | — |
| photographer | Essex Wedding Photographer | Natural Wedding Photography | 07887 517 536 | — |
Property Details
- Asking Price
- £225,000
- Property Type
- Maisonette
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £20,452 | £231,750 | £14,281 | £5,843 | £12,593 | 17.1% |
| Yr 3 | £21,488 | £245,864 | £15,026 | £18,644 | £39,507 | 53.7% |
| Yr 5 | £22,576 | £260,837 | £15,810 | £32,991 | £68,828 | 93.5% |
| Yr 10 | £25,542 | £302,381 | £17,946 | £76,154 | £153,535 | 208.6% |
| Yr 15 | £28,899 | £350,543 | £20,362 | £130,824 | £256,367 | 348.3% |
| Yr 20 | £32,696 | £406,375 | £23,096 | £198,516 | £379,891 | 516.2% |
| Yr 25 | £36,993 | £471,100 | £26,190 | £280,938 | £527,038 | 716.1% |
| Yr 30 | £41,854 | £546,134 | £29,690 | £380,027 | £701,161 | 952.7% |
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?
📄 Lease Information
Estimated remaining lease: 177 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 7.7% | 4.8% | £-9 | -3.8% |
| Conservative | £1,586 | 8.5% | 5.7% | £299 | 6.0% |
| Base | £1,705 | 9.1% | 6.3% | £487 | 10.3% |
| Optimistic | £1,841 | 9.8% | 7.1% | £693 | 15.2% |
| Bull | £2,012 | 10.7% | 8.0% | £929 | 21.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.09% |
| Net Yield | ●6.35% |
| Net Annual Income | £14,286 |
| Deductions: void 8% (−£1,636) · mgmt 10% (−£2,045) · maint 10% (−£2,045) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £702 |
| Monthly Cashflow (IO) | ●£488 |
| Cash-on-Cash Return | ●7.95% |
| 5-Year IRR | ●10.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,688 |
| SPV Annual Saving | £3,398 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,837 |
| Less: Purchase Price | −£225,000 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,466 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 7.7% | 4.8% | £-9 | -3.8% |
| Conservative | £1,586 | 8.5% | 5.7% | £299 | 6.0% |
| Base | £1,705 | 9.1% | 6.3% | £487 | 10.3% |
| Optimistic | £1,841 | 9.8% | 7.1% | £693 | 15.2% |
| Bull | £2,012 | 10.7% | 8.0% | £929 | 21.5% |
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