🔒 Sign in to view the address — Colchester
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 26% above the area median. Offers anchored to area median of £229,000. 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 | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,450 |
| Bedroom 2 | £1,450 |
| Bedroom 3 | £1,450 |
| 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 | Lexden Builders: Colchester Builders with 30+ Years' Experience | 01206 577591 | — |
| decorator | Painter And Decorator In Colchester | Coopersons | 01206 580500 | — |
| photographer | D&A Photography | 07793 444758 | — |
Property Details
- Asking Price
- £290,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £15,834 | £298,700 | £10,955 | £80 | £8,780 | 9.2% |
| Yr 3 | £16,636 | £316,891 | £11,533 | £1,104 | £27,994 | 29.3% |
| Yr 5 | £17,478 | £336,189 | £12,139 | £3,325 | £49,514 | 51.8% |
| Yr 10 | £19,774 | £389,736 | £13,793 | £14,524 | £114,260 | 119.5% |
| Yr 15 | £22,373 | £451,811 | £15,664 | £34,633 | £196,443 | 205.5% |
| Yr 20 | £25,313 | £523,772 | £17,780 | £64,821 | £298,594 | 312.3% |
| Yr 25 | £28,639 | £607,196 | £20,175 | £106,415 | £423,611 | 443.1% |
| Yr 30 | £32,403 | £703,906 | £22,885 | £160,912 | £574,818 | 601.3% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,122 | 4.6% | 2.9% | £-486 | -13.6% |
| Conservative | £1,228 | 5.1% | 3.4% | £-175 | -2.2% |
| Base | £1,320 | 5.5% | 3.8% | £7 | 2.6% |
| Optimistic | £1,426 | 5.9% | 4.2% | £202 | 8.1% |
| Bull | £1,558 | 6.4% | 4.7% | £422 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.46% |
| Net Yield | ●3.78% |
| Net Annual Income | £10,960 |
| Deductions: void 8% (−£1,267) · mgmt 10% (−£1,583) · maint 10% (−£1,583) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£9 |
| Cash-on-Cash Return | ●0.09% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,000 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £19,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £2,873 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,189 |
| Less: Purchase Price | −£290,000 |
| Less: Buying Costs (SDLT + legal) | −£21,600 |
| Less: Selling Costs (est. 2.5%) | −£8,405 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,122 | 4.6% | 2.9% | £-486 | -13.6% |
| Conservative | £1,228 | 5.1% | 3.4% | £-175 | -2.2% |
| Base | £1,320 | 5.5% | 3.8% | £7 | 2.6% |
| Optimistic | £1,426 | 5.9% | 4.2% | £202 | 8.1% |
| Bull | £1,558 | 6.4% | 4.7% | £422 | 15.0% |
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