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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 35% above the area median. Offers anchored to area median of £425,000. 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 | £1,350 |
| Bedroom 2 | £1,350 |
| Bedroom 3 | £1,350 |
| Bedroom 4 | £1,350 |
| 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 | Builders East London: Your First Call for General Builders ... | 0203 305 7656 | — |
| decorator | Expert Residential & Commercial Painting Services in London | 07712680424 | — |
| photographer | Vistolia Photography Hackney | 07709 654594 | — |
Property Details
- Asking Price
- £575,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 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 | £31,798 | £592,250 | £22,449 | £887 | £18,137 | 9.3% |
| Yr 3 | £33,407 | £628,318 | £23,608 | £4,391 | £57,709 | 29.5% |
| Yr 5 | £35,098 | £666,583 | £24,826 | £10,302 | £101,885 | 52.2% |
| Yr 10 | £39,711 | £772,752 | £28,147 | £36,417 | £234,169 | 119.9% |
| Yr 15 | £44,929 | £895,831 | £31,904 | £80,425 | £401,256 | 205.4% |
| Yr 20 | £50,833 | £1,038,514 | £36,155 | £144,675 | £608,188 | 311.3% |
| Yr 25 | £57,513 | £1,203,922 | £40,964 | £231,827 | £860,749 | 440.6% |
| Yr 30 | £65,071 | £1,395,676 | £46,406 | £344,892 | £1,165,568 | 596.7% |
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
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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 | £2,252 | 4.7% | 3.0% | £-909 | -13.6% |
| Conservative | £2,464 | 5.1% | 3.5% | £-288 | -2.5% |
| Base | £2,650 | 5.5% | 3.9% | £74 | 2.3% |
| Optimistic | £2,862 | 6.0% | 4.3% | £464 | 7.7% |
| Bull | £3,127 | 6.5% | 4.9% | £902 | 14.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.53% |
| Net Yield | ●3.9% |
| Net Annual Income | £22,451 |
| Deductions: void 8% (−£2,544) · mgmt 10% (−£3,180) · maint 10% (−£3,180) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,793 |
| Monthly Cashflow (IO) | ●£78 |
| Cash-on-Cash Return | ●0.45% |
| 5-Year IRR | ●2.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £47,500 |
| SDLT Effective Rate | 8.26% |
| SDLT (Company) | £86,250 |
| Section 24 Extra Tax/yr (higher rate) | £4,312 |
| SPV Annual Saving | £5,642 |
| SPV Breakeven | 6.9 yrs |
| CGT Projected Sale (5yr) | £666,583 |
| Less: Purchase Price | −£575,000 |
| Less: Buying Costs (SDLT + legal) | −£50,100 |
| Less: Selling Costs (est. 2.5%) | −£16,665 |
| = CGT Net Gain (5yr) | £24,818 |
| CGT at 24% | £5,236 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,252 | 4.7% | 3.0% | £-909 | -13.6% |
| Conservative | £2,464 | 5.1% | 3.5% | £-288 | -2.5% |
| Base | £2,650 | 5.5% | 3.9% | £74 | 2.3% |
| Optimistic | £2,862 | 6.0% | 4.3% | £464 | 7.7% |
| Bull | £3,127 | 6.5% | 4.9% | £902 | 14.5% |
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