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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
AI condition score: 4/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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
- £440,000
- Property Type
- Terraced
- 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 | £26,224 | £453,200 | £18,436 | £1,936 | £15,136 | 10.2% |
| Yr 3 | £27,552 | £480,800 | £19,392 | £7,237 | £48,037 | 32.4% |
| Yr 5 | £28,946 | £510,081 | £20,396 | £14,521 | £84,602 | 57.1% |
| Yr 10 | £32,750 | £591,323 | £23,135 | £42,084 | £193,407 | 130.6% |
| Yr 15 | £37,054 | £685,506 | £26,234 | £84,403 | £329,908 | 222.8% |
| Yr 20 | £41,923 | £794,689 | £29,740 | £143,416 | £498,105 | 336.3% |
| Yr 25 | £47,432 | £921,262 | £33,706 | £221,317 | £702,580 | 474.4% |
| Yr 30 | £53,665 | £1,067,995 | £38,194 | £320,589 | £948,585 | 640.5% |
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 | 5.1% | 3.2% | £-618 | -12.4% |
| Conservative | £2,031 | 5.5% | 3.8% | £-128 | -1.4% |
| Base | £2,184 | 6.0% | 4.2% | £160 | 3.3% |
| Optimistic | £2,359 | 6.4% | 4.7% | £471 | 8.7% |
| Bull | £2,577 | 7.0% | 5.2% | £822 | 15.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.96% |
| Net Yield | ●4.19% |
| Net Annual Income | £18,425 |
| Deductions: void 8% (−£2,098) · mgmt 10% (−£2,622) · maint 10% (−£2,622) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,372 |
| Monthly Cashflow (IO) | ●£163 |
| Cash-on-Cash Return | ●1.3% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £34,000 |
| SDLT Effective Rate | 7.73% |
| SDLT (Company) | £34,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,300 |
| SPV Annual Saving | £4,606 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £510,081 |
| Less: Purchase Price | −£440,000 |
| Less: Buying Costs (SDLT + legal) | −£36,600 |
| Less: Selling Costs (est. 2.5%) | −£12,752 |
| = CGT Net Gain (5yr) | £20,729 |
| CGT at 24% | £4,255 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,856 | 5.1% | 3.2% | £-618 | -12.4% |
| Conservative | £2,031 | 5.5% | 3.8% | £-128 | -1.4% |
| Base | £2,184 | 6.0% | 4.2% | £160 | 3.3% |
| Optimistic | £2,359 | 6.4% | 4.7% | £471 | 8.7% |
| Bull | £2,577 | 7.0% | 5.2% | £822 | 15.4% |
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