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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 25% above the area median. Offers anchored to area median of £327,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £1,900 |
| Living Room | £1,150 |
| Hallway / Stairs | £400 |
| Master Bedroom | £1,300 |
| Bedroom 2 | £1,300 |
| Total Estimated Refurb | £7,250 |
⚠ 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
- £410,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 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 | £23,698 | £422,300 | £16,618 | £1,243 | £13,543 | 9.8% |
| Yr 3 | £24,898 | £448,018 | £17,481 | £5,018 | £43,036 | 31.3% |
| Yr 5 | £26,158 | £475,302 | £18,389 | £10,586 | £75,889 | 55.2% |
| Yr 10 | £29,596 | £551,006 | £20,864 | £32,958 | £173,964 | 126.4% |
| Yr 15 | £33,485 | £638,767 | £23,664 | £68,665 | £297,431 | 216.2% |
| Yr 20 | £37,885 | £740,506 | £26,832 | £119,457 | £449,963 | 327.0% |
| Yr 25 | £42,863 | £858,449 | £30,416 | £187,319 | £635,768 | 462.0% |
| Yr 30 | £48,496 | £995,178 | £34,472 | £274,493 | £859,670 | 624.8% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,678 | 4.9% | 3.1% | £-612 | -12.8% |
| Conservative | £1,836 | 5.4% | 3.7% | £-161 | -1.8% |
| Base | £1,974 | 5.8% | 4.1% | £103 | 3.0% |
| Optimistic | £2,132 | 6.2% | 4.5% | £387 | 8.4% |
| Bull | £2,329 | 6.8% | 5.1% | £708 | 15.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.78% |
| Net Yield | ●4.05% |
| Net Annual Income | £16,610 |
| Deductions: void 8% (−£1,896) · mgmt 10% (−£2,370) · maint 10% (−£2,370) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,279 |
| Monthly Cashflow (IO) | ●£105 |
| Cash-on-Cash Return | ●0.9% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £31,000 |
| SDLT Effective Rate | 7.56% |
| SDLT (Company) | £31,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,075 |
| SPV Annual Saving | £4,196 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £475,302 |
| Less: Purchase Price | −£410,000 |
| Less: Buying Costs (SDLT + legal) | −£33,600 |
| Less: Selling Costs (est. 2.5%) | −£11,883 |
| = CGT Net Gain (5yr) | £19,819 |
| CGT at 24% | £4,037 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,678 | 4.9% | 3.1% | £-612 | -12.8% |
| Conservative | £1,836 | 5.4% | 3.7% | £-161 | -1.8% |
| Base | £1,974 | 5.8% | 4.1% | £103 | 3.0% |
| Optimistic | £2,132 | 6.2% | 4.5% | £387 | 8.4% |
| Bull | £2,329 | 6.8% | 5.1% | £708 | 15.2% |
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