🔒 Sign in to view the address — Norwich
End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 18% above the area median. Offers anchored to area median of £228,000. 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 | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| Bedroom 4 | £1,100 |
| 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
- £270,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £19,035 | £278,100 | £13,260 | £3,135 | £11,235 | 12.7% |
| Yr 3 | £19,999 | £295,036 | £13,954 | £10,442 | £35,478 | 40.0% |
| Yr 5 | £21,011 | £313,004 | £14,683 | £19,189 | £62,193 | 70.2% |
| Yr 10 | £23,772 | £362,857 | £16,671 | £47,845 | £140,702 | 158.8% |
| Yr 15 | £26,896 | £420,651 | £18,920 | £87,211 | £237,862 | 268.5% |
| Yr 20 | £30,430 | £487,650 | £21,465 | £138,695 | £356,345 | 402.2% |
| Yr 25 | £34,429 | £565,320 | £24,344 | £203,889 | £499,209 | 563.4% |
| Yr 30 | £38,953 | £655,361 | £27,601 | £284,595 | £669,956 | 756.2% |
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 — East of England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,349 | 6.0% | 3.7% | £-257 | -9.2% |
| Conservative | £1,476 | 6.6% | 4.4% | £68 | 1.4% |
| Base | £1,587 | 7.1% | 4.9% | £262 | 6.0% |
| Optimistic | £1,714 | 7.6% | 5.5% | £472 | 11.2% |
| Bull | £1,873 | 8.3% | 6.2% | £711 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.05% |
| Net Yield | ●4.91% |
| Net Annual Income | £13,267 |
| Deductions: void 8% (−£1,523) · mgmt 10% (−£1,904) · maint 10% (−£1,904) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£264 |
| Cash-on-Cash Return | ●3.55% |
| 5-Year IRR | ●6.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £3,283 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,349 | 6.0% | 3.7% | £-257 | -9.2% |
| Conservative | £1,476 | 6.6% | 4.4% | £68 | 1.4% |
| Base | £1,587 | 7.1% | 4.9% | £262 | 6.0% |
| Optimistic | £1,714 | 7.6% | 5.5% | £472 | 11.2% |
| Bull | £1,873 | 8.3% | 6.2% | £711 | 17.8% |
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