🔒 Sign in to view the address — Colchester
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the area median — some negotiation possible but limited margin. 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 | £2,150 |
| Bedroom 2 | £2,150 |
| 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
- £220,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £12,958 | £226,600 | £8,885 | £635 | £7,235 | 10.0% |
| Yr 3 | £13,614 | £240,400 | £9,357 | £2,610 | £23,010 | 32.0% |
| Yr 5 | £14,303 | £255,040 | £9,853 | £5,565 | £40,606 | 56.4% |
| Yr 10 | £16,183 | £295,662 | £11,207 | £17,575 | £93,236 | 129.5% |
| Yr 15 | £18,309 | £342,753 | £12,738 | £36,876 | £159,628 | 221.7% |
| Yr 20 | £20,715 | £397,344 | £14,470 | £64,426 | £241,770 | 335.8% |
| Yr 25 | £23,437 | £460,631 | £16,430 | £101,309 | £341,940 | 474.9% |
| Yr 30 | £26,517 | £533,998 | £18,647 | £148,752 | £462,749 | 642.7% |
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 | £917 | 5.0% | 3.0% | £-335 | -12.5% |
| Conservative | £1,003 | 5.5% | 3.6% | £-91 | -1.2% |
| Base | £1,079 | 5.9% | 4.0% | £52 | 3.6% |
| Optimistic | £1,165 | 6.4% | 4.5% | £207 | 9.0% |
| Bull | £1,273 | 6.9% | 5.1% | £381 | 15.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.89% |
| Net Yield | ●4.04% |
| Net Annual Income | £8,878 |
| Deductions: void 8% (−£1,037) · mgmt 10% (−£1,296) · maint 10% (−£1,296) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£54 |
| Cash-on-Cash Return | ●0.87% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,336 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £917 | 5.0% | 3.0% | £-335 | -12.5% |
| Conservative | £1,003 | 5.5% | 3.6% | £-91 | -1.2% |
| Base | £1,079 | 5.9% | 4.0% | £52 | 3.6% |
| Optimistic | £1,165 | 6.4% | 4.5% | £207 | 9.0% |
| Bull | £1,273 | 6.9% | 5.1% | £381 | 15.8% |
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