🔒 Sign in to view the address
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the area median — some negotiation possible but limited margin. 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
- £200,000
- 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 | £15,840 | £206,000 | £10,960 | £3,460 | £9,460 | 14.4% |
| Yr 3 | £16,642 | £218,545 | £11,537 | £11,242 | £29,787 | 45.4% |
| Yr 5 | £17,484 | £231,855 | £12,144 | £20,222 | £52,077 | 79.4% |
| Yr 10 | £19,782 | £268,783 | £13,798 | £48,322 | £117,106 | 178.5% |
| Yr 15 | £22,382 | £311,593 | £15,670 | £85,335 | £196,929 | 300.2% |
| Yr 20 | £25,323 | £361,222 | £17,787 | £132,432 | £293,654 | 447.6% |
| Yr 25 | £28,650 | £418,756 | £20,183 | £190,937 | £409,693 | 624.5% |
| Yr 30 | £32,415 | £485,452 | £22,894 | £262,352 | £547,804 | 835.1% |
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 | 6.7% | 4.2% | £-120 | -7.1% |
| Conservative | £1,228 | 7.4% | 4.9% | £135 | 3.2% |
| Base | £1,320 | 7.9% | 5.5% | £288 | 7.7% |
| Optimistic | £1,426 | 8.6% | 6.1% | £455 | 12.8% |
| Bull | £1,558 | 9.3% | 6.9% | £647 | 19.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.92% |
| Net Yield | ●5.48% |
| Net Annual Income | £10,960 |
| Deductions: void 8% (−£1,267) · mgmt 10% (−£1,584) · maint 10% (−£1,584) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£289 |
| Cash-on-Cash Return | ●5.27% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,704 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,122 | 6.7% | 4.2% | £-120 | -7.1% |
| Conservative | £1,228 | 7.4% | 4.9% | £135 | 3.2% |
| Base | £1,320 | 7.9% | 5.5% | £288 | 7.7% |
| Optimistic | £1,426 | 8.6% | 6.1% | £455 | 12.8% |
| Bull | £1,558 | 9.3% | 6.9% | £647 | 19.3% |
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 →