🔒 Sign in to view the address
End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 67% above the area median. Offers anchored to area median of £239,000. 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 | Lexden Builders: Colchester Builders with 30+ Years' Experience | 01206 577591 | — |
| decorator | Painter And Decorator In Colchester | Coopersons | 01206 580500 | — |
| photographer | D&A Photography | 07793 444758 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- End of Terrace
- 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 | £21,960 | £412,000 | £15,366 | £366 | £12,366 | 9.2% |
| Yr 3 | £23,072 | £437,091 | £16,167 | £2,294 | £39,385 | 29.4% |
| Yr 5 | £24,240 | £463,710 | £17,008 | £5,884 | £69,593 | 51.9% |
| Yr 10 | £27,425 | £537,567 | £19,301 | £22,689 | £160,255 | 119.5% |
| Yr 15 | £31,029 | £623,187 | £21,896 | £51,850 | £275,037 | 205.1% |
| Yr 20 | £35,106 | £722,444 | £24,832 | £94,992 | £417,436 | 311.3% |
| Yr 25 | £39,720 | £837,511 | £28,153 | £153,950 | £591,461 | 441.1% |
| Yr 30 | £44,939 | £970,905 | £31,911 | £230,804 | £801,709 | 597.8% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | £1,556 | 4.7% | 2.9% | £-651 | -13.6% |
| Conservative | £1,702 | 5.1% | 3.5% | £-221 | -2.4% |
| Base | £1,830 | 5.5% | 3.8% | £31 | 2.4% |
| Optimistic | £1,976 | 5.9% | 4.3% | £300 | 7.8% |
| Bull | £2,159 | 6.5% | 4.8% | £604 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.49% |
| Net Yield | ●3.84% |
| Net Annual Income | £15,366 |
| Deductions: void 8% (−£1,757) · mgmt 10% (−£2,196) · maint 10% (−£2,196) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£32 |
| Cash-on-Cash Return | ●0.27% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £3,935 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,556 | 4.7% | 2.9% | £-651 | -13.6% |
| Conservative | £1,702 | 5.1% | 3.5% | £-221 | -2.4% |
| Base | £1,830 | 5.5% | 3.8% | £31 | 2.4% |
| Optimistic | £1,976 | 5.9% | 4.3% | £300 | 7.8% |
| Bull | £2,159 | 6.5% | 4.8% | £604 | 14.7% |
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 →