🔒 Sign in to view the address — Romford
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,350 |
| Bedroom 2 | £1,350 |
| Bedroom 3 | £1,350 |
| Bedroom 4 | £1,350 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | M Cole Builders: Builders | Building Services | Romford | 01708 755771 | — |
| decorator | Painters and Decorators Romford | Byron Quality Decorators | 01708 378 624 | — |
| photographer | Essex Wedding Photographer | Natural Wedding Photography | 07887 517 536 | — |
Property Details
- Asking Price
- £525,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £30,030 | £540,750 | £21,177 | £1,489 | £17,239 | 9.7% |
| Yr 3 | £31,550 | £573,682 | £22,271 | £6,102 | £54,784 | 30.8% |
| Yr 5 | £33,148 | £608,619 | £23,421 | £12,988 | £96,607 | 54.3% |
| Yr 10 | £37,503 | £705,556 | £26,557 | £40,910 | £221,466 | 124.5% |
| Yr 15 | £42,432 | £817,933 | £30,106 | £85,729 | £378,662 | 212.9% |
| Yr 20 | £48,007 | £948,208 | £34,120 | £149,666 | £572,875 | 322.1% |
| Yr 25 | £54,316 | £1,099,233 | £38,663 | £235,233 | £809,466 | 455.1% |
| Yr 30 | £61,454 | £1,274,313 | £43,802 | £345,272 | £1,094,584 | 615.5% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,127 | 4.9% | 3.1% | £-788 | -13.0% |
| Conservative | £2,327 | 5.3% | 3.6% | £-213 | -2.0% |
| Base | £2,502 | 5.7% | 4.0% | £124 | 2.7% |
| Optimistic | £2,702 | 6.2% | 4.5% | £486 | 8.1% |
| Bull | £2,952 | 6.7% | 5.0% | £894 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.72% |
| Net Yield | ●4.03% |
| Net Annual Income | £21,172 |
| Deductions: void 8% (−£2,402) · mgmt 10% (−£3,003) · maint 10% (−£3,003) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,637 |
| Monthly Cashflow (IO) | ●£127 |
| Cash-on-Cash Return | ●0.83% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £42,500 |
| SDLT Effective Rate | 8.1% |
| SDLT (Company) | £78,750 |
| Section 24 Extra Tax/yr (higher rate) | £3,938 |
| SPV Annual Saving | £5,299 |
| SPV Breakeven | 6.8 yrs |
| CGT Projected Sale (5yr) | £608,619 |
| Less: Purchase Price | −£525,000 |
| Less: Buying Costs (SDLT + legal) | −£45,100 |
| Less: Selling Costs (est. 2.5%) | −£15,215 |
| = CGT Net Gain (5yr) | £23,304 |
| CGT at 24% | £4,873 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,127 | 4.9% | 3.1% | £-788 | -13.0% |
| Conservative | £2,327 | 5.3% | 3.6% | £-213 | -2.0% |
| Base | £2,502 | 5.7% | 4.0% | £124 | 2.7% |
| Optimistic | £2,702 | 6.2% | 4.5% | £486 | 8.1% |
| Bull | £2,952 | 6.7% | 5.0% | £894 | 14.9% |
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