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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. 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 | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £1,400 |
| Bedroom 2 | £1,400 |
| Bedroom 3 | £1,400 |
| Bedroom 4 | £1,400 |
| Entrance Hall | £550 |
| 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 | Painters & Decorators in London | Award-Winning | Novitas | 07825881762 | — |
| photographer | Piranha Photography: Corporate Photographer London | 020 7193 9446 | — |
Property Details
- Asking Price
- £725,000
- Property Type
- End of Terrace
- 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 | £41,832 | £746,750 | £29,674 | £2,487 | £24,237 | 9.8% |
| Yr 3 | £43,950 | £792,227 | £31,199 | £9,738 | £76,966 | 31.1% |
| Yr 5 | £46,175 | £840,474 | £32,801 | £20,155 | £135,629 | 54.7% |
| Yr 10 | £52,243 | £974,339 | £37,170 | £61,114 | £310,454 | 125.3% |
| Yr 15 | £59,108 | £1,129,526 | £42,113 | £125,611 | £530,138 | 213.9% |
| Yr 20 | £66,876 | £1,309,431 | £47,705 | £216,740 | £801,170 | 323.2% |
| Yr 25 | £75,664 | £1,517,989 | £54,033 | £337,999 | £1,130,988 | 456.3% |
| Yr 30 | £85,606 | £1,759,765 | £61,192 | £493,348 | £1,528,113 | 616.5% |
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 | £2,965 | 4.9% | 3.1% | £-1,055 | -13.0% |
| Conservative | £3,244 | 5.4% | 3.7% | £-259 | -2.0% |
| Base | £3,488 | 5.8% | 4.1% | £209 | 2.7% |
| Optimistic | £3,767 | 6.2% | 4.6% | £711 | 8.0% |
| Bull | £4,116 | 6.8% | 5.1% | £1,278 | 14.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.77% |
| Net Yield | ●4.1% |
| Net Annual Income | £29,691 |
| Deductions: void 8% (−£3,347) · mgmt 10% (−£4,183) · maint 10% (−£4,183) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,261 |
| Monthly Cashflow (IO) | ●£213 |
| Cash-on-Cash Return | ●1.01% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £62,500 |
| SDLT Effective Rate | 8.62% |
| SDLT (Company) | £108,750 |
| Section 24 Extra Tax/yr (higher rate) | £5,438 |
| SPV Annual Saving | £7,330 |
| SPV Breakeven | 6.3 yrs |
| CGT Projected Sale (5yr) | £840,474 |
| Less: Purchase Price | −£725,000 |
| Less: Buying Costs (SDLT + legal) | −£65,100 |
| Less: Selling Costs (est. 2.5%) | −£21,012 |
| = CGT Net Gain (5yr) | £29,362 |
| CGT at 24% | £6,327 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,965 | 4.9% | 3.1% | £-1,055 | -13.0% |
| Conservative | £3,244 | 5.4% | 3.7% | £-259 | -2.0% |
| Base | £3,488 | 5.8% | 4.1% | £209 | 2.7% |
| Optimistic | £3,767 | 6.2% | 4.6% | £711 | 8.0% |
| Bull | £4,116 | 6.8% | 5.1% | £1,278 | 14.8% |
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