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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 18% above the area median. Offers anchored to area median of £316,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| Total Estimated Refurb | £15,000 |
⚠ 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 in Rochester, Kent: City Way Construction | 07979 510371 | — |
| decorator | WR Decorating: Painters and Decorators Medway | Decorating ... | +44-1634-510-221 | — |
| photographer | Medway Wedding Photographer - Moment Photography | 0220908-1916 | — |
Property Details
- Asking Price
- £375,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 sqft
- 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 | £22,050 | £386,250 | £15,431 | £1,368 | £12,618 | 10.1% |
| Yr 3 | £23,166 | £409,773 | £16,235 | £5,306 | £40,079 | 32.0% |
| Yr 5 | £24,339 | £434,728 | £17,079 | £10,912 | £70,640 | 56.4% |
| Yr 10 | £27,537 | £503,969 | £19,382 | £32,790 | £161,759 | 129.0% |
| Yr 15 | £31,156 | £584,238 | £21,987 | £67,075 | £276,313 | 220.4% |
| Yr 20 | £35,250 | £677,292 | £24,935 | £115,397 | £417,689 | 333.2% |
| Yr 25 | £39,882 | £785,167 | £28,270 | £179,601 | £589,768 | 470.5% |
| Yr 30 | £45,123 | £910,223 | £32,044 | £261,774 | £796,998 | 635.8% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,563 | 5.0% | 3.1% | £-544 | -12.5% |
| Conservative | £1,710 | 5.5% | 3.7% | £-129 | -1.5% |
| Base | £1,839 | 5.9% | 4.1% | £115 | 3.3% |
| Optimistic | £1,986 | 6.4% | 4.6% | £378 | 8.6% |
| Bull | £2,170 | 6.9% | 5.2% | £675 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.88% |
| Net Yield | ●4.12% |
| Net Annual Income | £15,444 |
| Deductions: void 8% (−£1,764) · mgmt 10% (−£2,205) · maint 10% (−£2,205) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£117 |
| Cash-on-Cash Return | ●1.1% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,813 |
| SPV Annual Saving | £3,904 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,563 | 5.0% | 3.1% | £-544 | -12.5% |
| Conservative | £1,710 | 5.5% | 3.7% | £-129 | -1.5% |
| Base | £1,839 | 5.9% | 4.1% | £115 | 3.3% |
| Optimistic | £1,986 | 6.4% | 4.6% | £378 | 8.6% |
| Bull | £2,170 | 6.9% | 5.2% | £675 | 15.4% |
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