🔒 Sign in to view the address
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 25% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,450 |
| Bedroom 2 | £1,450 |
| Bedroom 3 | £1,450 |
| 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
- £190,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £15,846 | £195,700 | £10,964 | £3,839 | £9,539 | 15.3% |
| Yr 3 | £16,648 | £207,618 | £11,542 | £12,380 | £29,998 | 48.1% |
| Yr 5 | £17,491 | £220,262 | £12,149 | £22,120 | £52,382 | 83.9% |
| Yr 10 | £19,789 | £255,344 | £13,803 | £52,121 | £117,465 | 188.2% |
| Yr 15 | £22,390 | £296,014 | £15,676 | £91,038 | £197,051 | 315.8% |
| Yr 20 | £25,332 | £343,161 | £17,794 | £140,042 | £293,203 | 469.9% |
| Yr 25 | £28,661 | £397,818 | £20,191 | £200,460 | £408,278 | 654.3% |
| Yr 30 | £32,427 | £461,180 | £22,903 | £273,791 | £544,971 | 873.4% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,122 | 7.1% | 4.4% | £-80 | -6.0% |
| Conservative | £1,228 | 7.8% | 5.2% | £169 | 4.1% |
| Base | £1,320 | 8.3% | 5.8% | £320 | 8.5% |
| Optimistic | £1,426 | 9.0% | 6.4% | £483 | 13.6% |
| Bull | £1,558 | 9.8% | 7.2% | £672 | 20.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.34% |
| Net Yield | ●5.77% |
| Net Annual Income | £10,960 |
| Deductions: void 8% (−£1,268) · mgmt 10% (−£1,585) · maint 10% (−£1,585) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£320 |
| Cash-on-Cash Return | ●6.15% |
| 5-Year IRR | ●8.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £2,685 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,122 | 7.1% | 4.4% | £-80 | -6.0% |
| Conservative | £1,228 | 7.8% | 5.2% | £169 | 4.1% |
| Base | £1,320 | 8.3% | 5.8% | £320 | 8.5% |
| Optimistic | £1,426 | 9.0% | 6.4% | £483 | 13.6% |
| Bull | £1,558 | 9.8% | 7.2% | £672 | 20.0% |
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 →