🔒 Sign in to view the address — Norwich
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 14% above the area median. Offers anchored to area median of £214,000. 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 | John Russen Builders: Home | 07766414920 | — |
| decorator | Norwich Painter & Decorator, Jonathan Miller, Interior, Exterior ... | 07766 023097 | — |
| photographer | ETT Photography | 07733 102069 | — |
Property Details
- Asking Price
- £245,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £13,622 | £252,350 | £9,363 | £175 | £7,525 | 9.4% |
| Yr 3 | £14,312 | £267,718 | £9,859 | £1,268 | £23,986 | 30.0% |
| Yr 5 | £15,036 | £284,022 | £10,381 | £3,391 | £42,413 | 53.0% |
| Yr 10 | £17,012 | £329,260 | £11,804 | £13,556 | £97,815 | 122.3% |
| Yr 15 | £19,248 | £381,702 | £13,413 | £31,386 | £168,088 | 210.1% |
| Yr 20 | £21,777 | £442,497 | £15,234 | £57,888 | £255,385 | 319.2% |
| Yr 25 | £24,638 | £512,976 | £17,295 | £94,201 | £362,177 | 452.7% |
| Yr 30 | £27,876 | £594,679 | £19,626 | £141,616 | £491,295 | 614.1% |
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 | £966 | 4.7% | 2.9% | £-405 | -13.2% |
| Conservative | £1,056 | 5.2% | 3.4% | £-140 | -1.9% |
| Base | £1,136 | 5.6% | 3.8% | £15 | 3.0% |
| Optimistic | £1,227 | 6.0% | 4.3% | £182 | 8.4% |
| Bull | £1,340 | 6.6% | 4.8% | £369 | 15.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.56% |
| Net Yield | ●3.82% |
| Net Annual Income | £9,370 |
| Deductions: void 8% (−£1,090) · mgmt 10% (−£1,362) · maint 10% (−£1,362) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£17 |
| Cash-on-Cash Return | ●0.23% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,838 |
| SPV Annual Saving | £2,479 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 4.7% | 2.9% | £-405 | -13.2% |
| Conservative | £1,056 | 5.2% | 3.4% | £-140 | -1.9% |
| Base | £1,136 | 5.6% | 3.8% | £15 | 3.0% |
| Optimistic | £1,227 | 6.0% | 4.3% | £182 | 8.4% |
| Bull | £1,340 | 6.6% | 4.8% | £369 | 15.3% |
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