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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £429,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £1,850 |
| Bedroom 2 | £1,850 |
| Bedroom 3 | £1,850 |
| Entrance Hall | £550 |
| Total Estimated Refurb | £17,400 |
⚠ 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 East London: Your First Call for General Builders ... | 0203 305 7656 | — |
| decorator | Expert Residential & Commercial Painting Services in London | 07712680424 | — |
| photographer | Vistolia Photography Hackney | 07709 654594 | — |
Property Details
- Asking Price
- £480,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £26,208 | £494,400 | £18,425 | £425 | £14,825 | 9.1% |
| Yr 3 | £27,535 | £524,509 | £19,380 | £2,701 | £47,210 | 29.1% |
| Yr 5 | £28,929 | £556,452 | £20,384 | £6,961 | £83,412 | 51.5% |
| Yr 10 | £32,730 | £645,080 | £23,121 | £26,955 | £192,035 | 118.5% |
| Yr 15 | £37,031 | £747,824 | £26,217 | £61,696 | £329,521 | 203.3% |
| Yr 20 | £41,897 | £866,933 | £29,721 | £113,122 | £500,055 | 308.5% |
| Yr 25 | £47,403 | £1,005,013 | £33,685 | £183,424 | £708,437 | 437.0% |
| Yr 30 | £53,632 | £1,165,086 | £38,170 | £275,083 | £960,169 | 592.3% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,856 | 4.6% | 2.9% | £-780 | -13.7% |
| Conservative | £2,031 | 5.1% | 3.5% | £-265 | -2.6% |
| Base | £2,184 | 5.5% | 3.8% | £35 | 2.2% |
| Optimistic | £2,359 | 5.9% | 4.3% | £358 | 7.7% |
| Bull | £2,577 | 6.4% | 4.8% | £722 | 14.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.46% |
| Net Yield | ●3.84% |
| Net Annual Income | £18,425 |
| Deductions: void 8% (−£2,097) · mgmt 10% (−£2,621) · maint 10% (−£2,621) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,497 |
| Monthly Cashflow (IO) | ●£38 |
| Cash-on-Cash Return | ●0.26% |
| 5-Year IRR | ●2.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £38,000 |
| SDLT Effective Rate | 7.92% |
| SDLT (Company) | £38,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,600 |
| SPV Annual Saving | £4,681 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £556,452 |
| Less: Purchase Price | −£480,000 |
| Less: Buying Costs (SDLT + legal) | −£40,600 |
| Less: Selling Costs (est. 2.5%) | −£13,911 |
| = CGT Net Gain (5yr) | £21,941 |
| CGT at 24% | £4,546 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,856 | 4.6% | 2.9% | £-780 | -13.7% |
| Conservative | £2,031 | 5.1% | 3.5% | £-265 | -2.6% |
| Base | £2,184 | 5.5% | 3.8% | £35 | 2.2% |
| Optimistic | £2,359 | 5.9% | 4.3% | £358 | 7.7% |
| Bull | £2,577 | 6.4% | 4.8% | £722 | 14.5% |
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