🔒 Sign in to view the address — Tottenham
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 16% below the area median — limited negotiation margin. Strong value at current asking price. 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 | 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
- £500,000
- Property Type
- Terraced
- 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 | £38,050 | £515,000 | £26,951 | £8,201 | £23,201 | 13.7% |
| Yr 3 | £39,976 | £546,364 | £28,338 | £26,675 | £73,038 | 43.2% |
| Yr 5 | £42,000 | £579,637 | £29,795 | £48,027 | £127,664 | 75.5% |
| Yr 10 | £47,519 | £671,958 | £33,769 | £114,978 | £286,936 | 169.7% |
| Yr 15 | £53,764 | £778,984 | £38,265 | £203,338 | £482,322 | 285.2% |
| Yr 20 | £60,829 | £903,056 | £43,352 | £315,921 | £718,977 | 425.2% |
| Yr 25 | £68,822 | £1,046,889 | £49,107 | £455,911 | £1,002,800 | 593.0% |
| Yr 30 | £77,866 | £1,213,631 | £55,618 | £626,908 | £1,340,540 | 792.7% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,694 | 6.5% | 4.1% | £-317 | -8.0% |
| Conservative | £2,948 | 7.1% | 4.9% | £308 | 2.1% |
| Base | £3,170 | 7.6% | 5.4% | £683 | 6.6% |
| Optimistic | £3,424 | 8.2% | 6.0% | £1,090 | 11.7% |
| Bull | £3,741 | 9.0% | 6.7% | £1,556 | 18.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.61% |
| Net Yield | ●5.39% |
| Net Annual Income | £26,944 |
| Deductions: void 8% (−£3,044) · mgmt 10% (−£3,805) · maint 10% (−£3,805) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,559 |
| Monthly Cashflow (IO) | ●£686 |
| Cash-on-Cash Return | ●4.85% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £40,000 |
| SDLT Effective Rate | 8.0% |
| SDLT (Company) | £40,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,750 |
| SPV Annual Saving | £6,375 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £579,637 |
| Less: Purchase Price | −£500,000 |
| Less: Buying Costs (SDLT + legal) | −£42,600 |
| Less: Selling Costs (est. 2.5%) | −£14,491 |
| = CGT Net Gain (5yr) | £22,546 |
| CGT at 24% | £4,691 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,694 | 6.5% | 4.1% | £-317 | -8.0% |
| Conservative | £2,948 | 7.1% | 4.9% | £308 | 2.1% |
| Base | £3,170 | 7.6% | 5.4% | £683 | 6.6% |
| Optimistic | £3,424 | 8.2% | 6.0% | £1,090 | 11.7% |
| Bull | £3,741 | 9.0% | 6.7% | £1,556 | 18.2% |
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