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Terraced · 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) · 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 | Painters & Decorators in London | Award-Winning | Novitas | 07825881762 | — |
| photographer | Piranha Photography: Corporate Photographer London | 020 7193 9446 | — |
Property Details
- Asking Price
- £600,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 | £32,280 | £618,000 | £22,797 | £297 | £18,297 | 9.0% |
| Yr 3 | £33,914 | £655,636 | £23,973 | £2,647 | £58,284 | 28.6% |
| Yr 5 | £35,631 | £695,564 | £25,209 | £7,440 | £103,005 | 50.5% |
| Yr 10 | £40,313 | £806,350 | £28,581 | £30,935 | £237,284 | 116.3% |
| Yr 15 | £45,611 | £934,780 | £32,395 | £72,592 | £407,372 | 199.6% |
| Yr 20 | £51,604 | £1,083,667 | £36,710 | £134,799 | £618,465 | 303.0% |
| Yr 25 | £58,386 | £1,256,267 | £41,593 | £220,256 | £876,523 | 429.5% |
| Yr 30 | £66,058 | £1,456,357 | £47,117 | £332,019 | £1,188,377 | 582.3% |
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 | £2,286 | 4.6% | 2.9% | £-989 | -14.0% |
| Conservative | £2,501 | 5.0% | 3.4% | £-349 | -2.8% |
| Base | £2,689 | 5.4% | 3.8% | £24 | 2.0% |
| Optimistic | £2,904 | 5.8% | 4.2% | £424 | 7.4% |
| Bull | £3,173 | 6.3% | 4.7% | £874 | 14.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.38% |
| Net Yield | ●3.8% |
| Net Annual Income | £22,788 |
| Deductions: void 8% (−£2,582) · mgmt 10% (−£3,228) · maint 10% (−£3,228) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,871 |
| Monthly Cashflow (IO) | ●£28 |
| Cash-on-Cash Return | ●0.14% |
| 5-Year IRR | ●2.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £50,000 |
| SDLT Effective Rate | 8.33% |
| SDLT (Company) | £90,000 |
| Section 24 Extra Tax/yr (higher rate) | £4,500 |
| SPV Annual Saving | £5,754 |
| SPV Breakeven | 7.0 yrs |
| CGT Projected Sale (5yr) | £695,564 |
| Less: Purchase Price | −£600,000 |
| Less: Buying Costs (SDLT + legal) | −£52,600 |
| Less: Selling Costs (est. 2.5%) | −£17,389 |
| = CGT Net Gain (5yr) | £25,575 |
| CGT at 24% | £5,418 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,286 | 4.6% | 2.9% | £-989 | -14.0% |
| Conservative | £2,501 | 5.0% | 3.4% | £-349 | -2.8% |
| Base | £2,689 | 5.4% | 3.8% | £24 | 2.0% |
| Optimistic | £2,904 | 5.8% | 4.2% | £424 | 7.4% |
| Bull | £3,173 | 6.3% | 4.7% | £874 | 14.2% |
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