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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £264,000. 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 | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Bedroom 4 | £1,050 |
| 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
- £280,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- 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 | £21,952 | £288,400 | £15,360 | £4,860 | £13,260 | 14.4% |
| Yr 3 | £23,063 | £305,964 | £16,161 | £15,777 | £41,740 | 45.3% |
| Yr 5 | £24,231 | £324,597 | £17,001 | £28,354 | £72,950 | 79.2% |
| Yr 10 | £27,415 | £376,297 | £19,294 | £67,624 | £163,921 | 178.0% |
| Yr 15 | £31,018 | £436,231 | £21,888 | £119,247 | £275,478 | 299.1% |
| Yr 20 | £35,094 | £505,711 | £24,822 | £184,845 | £410,556 | 445.8% |
| Yr 25 | £39,705 | £586,258 | £28,143 | £266,253 | £572,511 | 621.6% |
| Yr 30 | £44,923 | £679,633 | £31,899 | £365,552 | £765,185 | 830.8% |
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 — 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 | 6.7% | 4.2% | £-164 | -7.1% |
| Conservative | £1,702 | 7.3% | 4.9% | £192 | 3.1% |
| Base | £1,830 | 7.8% | 5.5% | £406 | 7.6% |
| Optimistic | £1,976 | 8.5% | 6.1% | £638 | 12.7% |
| Bull | £2,159 | 9.3% | 6.9% | £904 | 19.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.84% |
| Net Yield | ●5.49% |
| Net Annual Income | £15,366 |
| Deductions: void 8% (−£1,756) · mgmt 10% (−£2,195) · maint 10% (−£2,195) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £873 |
| Monthly Cashflow (IO) | ●£408 |
| Cash-on-Cash Return | ●5.28% |
| 5-Year IRR | ●7.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £3,711 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,556 | 6.7% | 4.2% | £-164 | -7.1% |
| Conservative | £1,702 | 7.3% | 4.9% | £192 | 3.1% |
| Base | £1,830 | 7.8% | 5.5% | £406 | 7.6% |
| Optimistic | £1,976 | 8.5% | 6.1% | £638 | 12.7% |
| Bull | £2,159 | 9.3% | 6.9% | £904 | 19.2% |
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