🔒 Sign in to view the address — Colchester
Mews · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £253,000. 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
- £270,000
- Property Type
- Mews
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 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 | £15,849 | £278,100 | £10,966 | £841 | £8,941 | 10.1% |
| Yr 3 | £16,651 | £295,036 | £11,544 | £3,387 | £28,423 | 32.1% |
| Yr 5 | £17,494 | £313,004 | £12,151 | £7,131 | £50,135 | 56.6% |
| Yr 10 | £19,793 | £362,857 | £13,806 | £22,145 | £115,002 | 129.8% |
| Yr 15 | £22,394 | £420,651 | £15,679 | £46,076 | £196,727 | 222.0% |
| Yr 20 | £25,337 | £487,650 | £17,798 | £80,097 | £297,747 | 336.1% |
| Yr 25 | £28,666 | £565,320 | £20,195 | £125,534 | £420,854 | 475.0% |
| Yr 30 | £32,434 | £655,361 | £22,907 | £183,886 | £569,247 | 642.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | 5.0% | 3.1% | £-405 | -12.4% |
| Conservative | £1,228 | 5.5% | 3.7% | £-106 | -1.2% |
| Base | £1,320 | 5.9% | 4.1% | £70 | 3.5% |
| Optimistic | £1,426 | 6.3% | 4.5% | £258 | 8.9% |
| Bull | £1,558 | 6.9% | 5.1% | £472 | 15.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.87% |
| Net Yield | ●4.06% |
| Net Annual Income | £10,960 |
| Deductions: void 8% (−£1,268) · mgmt 10% (−£1,585) · maint 10% (−£1,585) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£71 |
| Cash-on-Cash Return | ●0.94% |
| 5-Year IRR | ●3.5% |
● 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 | £2,835 |
| 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 | £1,122 | 5.0% | 3.1% | £-405 | -12.4% |
| Conservative | £1,228 | 5.5% | 3.7% | £-106 | -1.2% |
| Base | £1,320 | 5.9% | 4.1% | £70 | 3.5% |
| Optimistic | £1,426 | 6.3% | 4.5% | £258 | 8.9% |
| Bull | £1,558 | 6.9% | 5.1% | £472 | 15.8% |
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