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Semi-Detached · 4 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: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £450 |
| Hallway / Stairs | £200 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Bedroom 4 | £250 |
| Total Estimated Refurb | £2,900 |
⚠ 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 Enfield North London EN1 home improvement local Builders | 0208 688 5570 | — |
| decorator | Residential and Commercial Painter and Decorator Enfield | 020 3514 4618 | — |
| photographer | Enfield Photographer - Children, Families, Headshots, Personal ... | 07976 374412 | — |
Property Details
- Asking Price
- £585,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £32,760 | £602,550 | £23,142 | £1,205 | £18,755 | 9.4% |
| Yr 3 | £34,418 | £639,245 | £24,336 | £5,398 | £59,643 | 30.0% |
| Yr 5 | £36,161 | £678,175 | £25,591 | £12,070 | £105,245 | 52.9% |
| Yr 10 | £40,913 | £786,191 | £29,012 | £40,431 | £241,622 | 121.5% |
| Yr 15 | £46,289 | £911,411 | £32,883 | £87,226 | £413,637 | 208.0% |
| Yr 20 | £52,372 | £1,056,575 | £37,263 | £154,877 | £626,452 | 315.0% |
| Yr 25 | £59,254 | £1,224,860 | £42,218 | £246,124 | £885,984 | 445.6% |
| Yr 30 | £67,040 | £1,419,949 | £47,824 | £364,067 | £1,199,015 | 603.0% |
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 | £2,320 | 4.8% | 3.0% | £-906 | -13.4% |
| Conservative | £2,538 | 5.2% | 3.6% | £-271 | -2.3% |
| Base | £2,729 | 5.6% | 4.0% | £100 | 2.4% |
| Optimistic | £2,947 | 6.0% | 4.4% | £499 | 7.8% |
| Bull | £3,220 | 6.6% | 4.9% | £948 | 14.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.6% |
| Net Yield | ●3.95% |
| Net Annual Income | £23,134 |
| Deductions: void 8% (−£2,621) · mgmt 10% (−£3,276) · maint 10% (−£3,276) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,824 |
| Monthly Cashflow (IO) | ●£104 |
| Cash-on-Cash Return | ●0.6% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £48,500 |
| SDLT Effective Rate | 8.29% |
| SDLT (Company) | £87,750 |
| Section 24 Extra Tax/yr (higher rate) | £4,388 |
| SPV Annual Saving | £5,793 |
| SPV Breakeven | 6.8 yrs |
| CGT Projected Sale (5yr) | £678,175 |
| Less: Purchase Price | −£585,000 |
| Less: Buying Costs (SDLT + legal) | −£51,100 |
| Less: Selling Costs (est. 2.5%) | −£16,954 |
| = CGT Net Gain (5yr) | £25,121 |
| CGT at 24% | £5,309 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,320 | 4.8% | 3.0% | £-906 | -13.4% |
| Conservative | £2,538 | 5.2% | 3.6% | £-271 | -2.3% |
| Base | £2,729 | 5.6% | 4.0% | £100 | 2.4% |
| Optimistic | £2,947 | 6.0% | 4.4% | £499 | 7.8% |
| Bull | £3,220 | 6.6% | 4.9% | £948 | 14.6% |
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