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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 15% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £4,400 |
| Bathroom | £3,250 |
| Living Room | £1,950 |
| Master Bedroom | £2,200 |
| Bedroom 2 | £2,200 |
| Entrance Hall | £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 | John Russen Builders: Home | 07766414920 | — |
| decorator | Norwich Painter & Decorator, Jonathan Miller, Interior, Exterior ... | 07766 023097 | — |
| photographer | ETT Photography | 07733 102069 | — |
Property Details
- Asking Price
- £130,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £11,648 | £133,900 | £7,942 | £3,067 | £6,967 | 16.1% |
| Yr 3 | £12,238 | £142,055 | £8,366 | £9,834 | £21,888 | 50.7% |
| Yr 5 | £12,857 | £150,706 | £8,812 | £17,483 | £38,188 | 88.4% |
| Yr 10 | £14,547 | £174,709 | £10,029 | £40,758 | £85,467 | 197.8% |
| Yr 15 | £16,458 | £202,536 | £11,405 | £70,587 | £143,123 | 331.3% |
| Yr 20 | £18,621 | £234,794 | £12,962 | £107,832 | £212,626 | 492.2% |
| Yr 25 | £21,068 | £272,191 | £14,724 | £153,466 | £295,657 | 684.4% |
| Yr 30 | £23,837 | £315,544 | £16,717 | £208,593 | £394,137 | 912.4% |
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?
📄 Lease Information
Estimated remaining lease: 944 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £825 | 7.6% | 4.6% | £-29 | -5.0% |
| Conservative | £903 | 8.3% | 5.5% | £148 | 5.0% |
| Base | £971 | 9.0% | 6.1% | £256 | 9.3% |
| Optimistic | £1,049 | 9.7% | 6.8% | £373 | 14.3% |
| Bull | £1,146 | 10.6% | 7.7% | £509 | 20.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.96% |
| Net Yield | ●6.11% |
| Net Annual Income | £7,944 |
| Deductions: void 8% (−£932) · mgmt 10% (−£1,165) · maint 10% (−£1,165) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£257 |
| Cash-on-Cash Return | ●7.1% |
| 5-Year IRR | ●9.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,987 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £825 | 7.6% | 4.6% | £-29 | -5.0% |
| Conservative | £903 | 8.3% | 5.5% | £148 | 5.0% |
| Base | £971 | 9.0% | 6.1% | £256 | 9.3% |
| Optimistic | £1,049 | 9.7% | 6.8% | £373 | 14.3% |
| Bull | £1,146 | 10.6% | 7.7% | £509 | 20.6% |
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