🔒 Sign in to view the address — Shinfield
End of Terrace · 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) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,800 |
| Bathroom | £3,500 |
| Living Room | £2,050 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| Entrance Hall | £500 |
| 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 | Kris The Builder: Building company Reading | House extensions ... | 07912 608683 | — |
| decorator | Prime Painting Co.: Painter and Decorator in Reading | 04257605452 | — |
| photographer | Tiny Adventure Studio Reading | 0800 368 9761 | — |
Property Details
- Asking Price
- £475,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 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 | £27,978 | £489,250 | £19,699 | £1,886 | £16,136 | 10.1% |
| Yr 3 | £29,394 | £519,045 | £20,719 | £7,182 | £51,228 | 31.9% |
| Yr 5 | £30,882 | £550,655 | £21,790 | £14,595 | £90,250 | 56.3% |
| Yr 10 | £34,940 | £638,360 | £24,712 | £43,104 | £206,464 | 128.8% |
| Yr 15 | £39,531 | £740,035 | £28,018 | £87,355 | £352,389 | 219.8% |
| Yr 20 | £44,726 | £857,903 | £31,758 | £149,416 | £532,319 | 332.0% |
| Yr 25 | £50,604 | £994,545 | £35,990 | £231,630 | £751,174 | 468.5% |
| Yr 30 | £57,253 | £1,152,950 | £40,777 | £336,642 | £1,014,592 | 632.7% |
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 | £1,982 | 5.0% | 3.2% | £-678 | -12.5% |
| Conservative | £2,169 | 5.5% | 3.7% | £-152 | -1.6% |
| Base | £2,332 | 5.9% | 4.1% | £158 | 3.1% |
| Optimistic | £2,519 | 6.4% | 4.6% | £491 | 8.5% |
| Bull | £2,752 | 7.0% | 5.2% | £867 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.89% |
| Net Yield | ●4.15% |
| Net Annual Income | £19,703 |
| Deductions: void 8% (−£2,238) · mgmt 10% (−£2,798) · maint 10% (−£2,798) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,481 |
| Monthly Cashflow (IO) | ●£161 |
| Cash-on-Cash Return | ●1.18% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £37,500 |
| SDLT Effective Rate | 7.89% |
| SDLT (Company) | £37,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,563 |
| SPV Annual Saving | £4,919 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £550,655 |
| Less: Purchase Price | −£475,000 |
| Less: Buying Costs (SDLT + legal) | −£40,100 |
| Less: Selling Costs (est. 2.5%) | −£13,766 |
| = CGT Net Gain (5yr) | £21,789 |
| CGT at 24% | £4,509 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,982 | 5.0% | 3.2% | £-678 | -12.5% |
| Conservative | £2,169 | 5.5% | 3.7% | £-152 | -1.6% |
| Base | £2,332 | 5.9% | 4.1% | £158 | 3.1% |
| Optimistic | £2,519 | 6.4% | 4.6% | £491 | 8.5% |
| Bull | £2,752 | 7.0% | 5.2% | £867 | 15.2% |
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