🔒 Sign in to view the address
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 10% 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) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £2,750 |
| Bedroom 2 | £2,750 |
| 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
- £430,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- 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 | £23,693 | £442,900 | £16,614 | £489 | £13,389 | 9.3% |
| Yr 3 | £24,892 | £469,873 | £17,478 | £2,757 | £42,630 | 29.5% |
| Yr 5 | £26,153 | £498,488 | £18,385 | £6,817 | £75,305 | 52.1% |
| Yr 10 | £29,589 | £577,884 | £20,859 | £25,418 | £173,302 | 119.8% |
| Yr 15 | £33,478 | £669,926 | £23,659 | £57,350 | £297,276 | 205.6% |
| Yr 20 | £37,877 | £776,628 | £26,826 | £104,365 | £450,993 | 311.9% |
| Yr 25 | £42,854 | £900,325 | £30,410 | £168,446 | £638,770 | 441.7% |
| Yr 30 | £48,486 | £1,043,723 | £34,465 | £251,834 | £865,557 | 598.6% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,678 | 4.7% | 2.9% | £-693 | -13.6% |
| Conservative | £1,836 | 5.1% | 3.5% | £-230 | -2.4% |
| Base | £1,974 | 5.5% | 3.9% | £40 | 2.4% |
| Optimistic | £2,132 | 5.9% | 4.3% | £331 | 7.8% |
| Bull | £2,329 | 6.5% | 4.8% | £658 | 14.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.51% |
| Net Yield | ●3.86% |
| Net Annual Income | £16,610 |
| Deductions: void 8% (−£1,895) · mgmt 10% (−£2,369) · maint 10% (−£2,369) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,341 |
| Monthly Cashflow (IO) | ●£43 |
| Cash-on-Cash Return | ●0.34% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £33,000 |
| SDLT Effective Rate | 7.67% |
| SDLT (Company) | £33,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,225 |
| SPV Annual Saving | £4,234 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £498,488 |
| Less: Purchase Price | −£430,000 |
| Less: Buying Costs (SDLT + legal) | −£35,600 |
| Less: Selling Costs (est. 2.5%) | −£12,462 |
| = CGT Net Gain (5yr) | £20,426 |
| CGT at 24% | £4,182 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,678 | 4.7% | 2.9% | £-693 | -13.6% |
| Conservative | £1,836 | 5.1% | 3.5% | £-230 | -2.4% |
| Base | £1,974 | 5.5% | 3.9% | £40 | 2.4% |
| Optimistic | £2,132 | 5.9% | 4.3% | £331 | 7.8% |
| Bull | £2,329 | 6.5% | 4.8% | £658 | 14.6% |
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 →