🔒 Sign in to view the address
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £290,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £17,168 | £298,700 | £11,916 | £1,041 | £9,741 | 10.2% |
| Yr 3 | £18,037 | £316,891 | £12,542 | £4,058 | £30,949 | 32.4% |
| Yr 5 | £18,950 | £336,189 | £13,199 | £8,373 | £54,563 | 57.1% |
| Yr 10 | £21,440 | £389,736 | £14,992 | £25,285 | £125,020 | 130.8% |
| Yr 15 | £24,258 | £451,811 | £17,021 | £51,856 | £213,666 | 223.5% |
| Yr 20 | £27,446 | £523,772 | £19,316 | £89,356 | £323,129 | 338.0% |
| Yr 25 | £31,052 | £607,196 | £21,913 | £139,223 | £456,418 | 477.4% |
| Yr 30 | £35,133 | £703,906 | £24,851 | £203,080 | £616,986 | 645.4% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,216 | 5.0% | 3.1% | £-425 | -12.3% |
| Conservative | £1,331 | 5.5% | 3.7% | £-102 | -1.2% |
| Base | £1,431 | 5.9% | 4.1% | £87 | 3.6% |
| Optimistic | £1,545 | 6.4% | 4.6% | £291 | 9.0% |
| Bull | £1,689 | 7.0% | 5.2% | £521 | 15.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.92% |
| Net Yield | ●4.11% |
| Net Annual Income | £11,919 |
| Deductions: void 8% (−£1,373) · mgmt 10% (−£1,717) · maint 10% (−£1,717) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£89 |
| Cash-on-Cash Return | ●1.09% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,000 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £19,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £3,059 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,189 |
| Less: Purchase Price | −£290,000 |
| Less: Buying Costs (SDLT + legal) | −£21,600 |
| Less: Selling Costs (est. 2.5%) | −£8,405 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,216 | 5.0% | 3.1% | £-425 | -12.3% |
| Conservative | £1,331 | 5.5% | 3.7% | £-102 | -1.2% |
| Base | £1,431 | 5.9% | 4.1% | £87 | 3.6% |
| Optimistic | £1,545 | 6.4% | 4.6% | £291 | 9.0% |
| Bull | £1,689 | 7.0% | 5.2% | £521 | 15.8% |
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 →