🔒 Sign in to view the address — London
House · 3 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 | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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 | Home Builder London Ltd: Building & Renovation Services | 07473 463936 | — |
| decorator | Painting and Decorating London - David Banks & Company | 020 7385 9759 | — |
| photographer | London vacation photographer | 07879 455 932 | — |
Property Details
- Asking Price
- £479,995
- Property Type
- House
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £27,024 | £494,395 | £19,012 | £1,012 | £15,412 | 9.5% |
| Yr 3 | £28,392 | £524,503 | £19,997 | £4,508 | £49,017 | 30.2% |
| Yr 5 | £29,829 | £556,446 | £21,032 | £10,049 | £86,499 | 53.4% |
| Yr 10 | £33,749 | £645,073 | £23,854 | £33,537 | £198,615 | 122.5% |
| Yr 15 | £38,184 | £747,817 | £27,047 | £72,231 | £340,052 | 209.8% |
| Yr 20 | £43,201 | £866,924 | £30,660 | £128,128 | £515,057 | 317.7% |
| Yr 25 | £48,879 | £1,005,003 | £34,748 | £203,490 | £728,498 | 449.4% |
| Yr 30 | £55,302 | £1,165,074 | £39,372 | £300,874 | £985,953 | 608.2% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,912 | 4.8% | 3.0% | £-744 | -13.3% |
| Conservative | £2,092 | 5.2% | 3.6% | £-222 | -2.2% |
| Base | £2,250 | 5.6% | 4.0% | £83 | 2.6% |
| Optimistic | £2,430 | 6.1% | 4.4% | £411 | 8.0% |
| Bull | £2,655 | 6.6% | 5.0% | £781 | 14.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.63% |
| Net Yield | ●3.96% |
| Net Annual Income | £18,995 |
| Deductions: void 8% (−£2,162) · mgmt 10% (−£2,702) · maint 10% (−£2,702) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,497 |
| Monthly Cashflow (IO) | ●£86 |
| Cash-on-Cash Return | ●0.61% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £38,000 |
| SDLT Effective Rate | 7.92% |
| SDLT (Company) | £38,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,600 |
| SPV Annual Saving | £4,791 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £556,446 |
| Less: Purchase Price | −£479,995 |
| Less: Buying Costs (SDLT + legal) | −£40,600 |
| Less: Selling Costs (est. 2.5%) | −£13,911 |
| = CGT Net Gain (5yr) | £21,940 |
| CGT at 24% | £4,546 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,912 | 4.8% | 3.0% | £-744 | -13.3% |
| Conservative | £2,092 | 5.2% | 3.6% | £-222 | -2.2% |
| Base | £2,250 | 5.6% | 4.0% | £83 | 2.6% |
| Optimistic | £2,430 | 6.1% | 4.4% | £411 | 8.0% |
| Bull | £2,655 | 6.6% | 5.0% | £781 | 14.8% |
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