🔒 Sign in to view the address — Milton Keynes
Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 36% above the area median. Offers anchored to area median of £311,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| Total Estimated Refurb | £15,000 |
⚠ 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £425,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 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 | £24,862 | £437,750 | £17,456 | £1,518 | £14,268 | 10.0% |
| Yr 3 | £26,121 | £464,409 | £18,362 | £5,909 | £45,318 | 31.7% |
| Yr 5 | £27,444 | £492,691 | £19,314 | £12,181 | £79,873 | 55.9% |
| Yr 10 | £31,050 | £571,164 | £21,911 | £36,727 | £182,891 | 128.0% |
| Yr 15 | £35,130 | £662,136 | £24,849 | £75,262 | £312,398 | 218.7% |
| Yr 20 | £39,746 | £767,597 | £28,172 | £129,625 | £472,222 | 330.6% |
| Yr 25 | £44,969 | £889,856 | £31,933 | £201,896 | £666,751 | 466.7% |
| Yr 30 | £50,879 | £1,031,587 | £36,188 | £294,427 | £901,014 | 630.7% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,761 | 5.0% | 3.1% | £-619 | -12.6% |
| Conservative | £1,927 | 5.4% | 3.7% | £-149 | -1.6% |
| Base | £2,072 | 5.9% | 4.1% | £127 | 3.1% |
| Optimistic | £2,238 | 6.3% | 4.6% | £424 | 8.5% |
| Bull | £2,445 | 6.9% | 5.1% | £759 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.85% |
| Net Yield | ●4.11% |
| Net Annual Income | £17,457 |
| Deductions: void 8% (−£1,989) · mgmt 10% (−£2,486) · maint 10% (−£2,486) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,325 |
| Monthly Cashflow (IO) | ●£130 |
| Cash-on-Cash Return | ●1.06% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,500 |
| SDLT Effective Rate | 7.65% |
| SDLT (Company) | £32,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,188 |
| SPV Annual Saving | £4,389 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £492,691 |
| Less: Purchase Price | −£425,000 |
| Less: Buying Costs (SDLT + legal) | −£35,100 |
| Less: Selling Costs (est. 2.5%) | −£12,317 |
| = CGT Net Gain (5yr) | £20,274 |
| CGT at 24% | £4,146 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,761 | 5.0% | 3.1% | £-619 | -12.6% |
| Conservative | £1,927 | 5.4% | 3.7% | £-149 | -1.6% |
| Base | £2,072 | 5.9% | 4.1% | £127 | 3.1% |
| Optimistic | £2,238 | 6.3% | 4.6% | £424 | 8.5% |
| Bull | £2,445 | 6.9% | 5.1% | £759 | 15.2% |
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