🔒 Sign in to view the address — Enfield
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
AI condition score: 5/10 · 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 | Builders Enfield North London EN1 home improvement local Builders | 0208 688 5570 | — |
| decorator | Residential and Commercial Painter and Decorator Enfield | 020 3514 4618 | — |
| photographer | Enfield Photographer - Children, Families, Headshots, Personal ... | 07976 374412 | — |
Property Details
- Asking Price
- £435,000
- 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 | £24,273 | £448,050 | £17,032 | £719 | £13,769 | 9.4% |
| Yr 3 | £25,502 | £475,336 | £17,916 | £3,479 | £43,815 | 29.9% |
| Yr 5 | £26,793 | £504,284 | £18,846 | £8,075 | £77,359 | 52.9% |
| Yr 10 | £30,314 | £584,604 | £21,381 | £28,222 | £177,825 | 121.5% |
| Yr 15 | £34,297 | £677,716 | £24,249 | £62,026 | £304,742 | 208.2% |
| Yr 20 | £38,804 | £785,658 | £27,494 | £111,283 | £461,941 | 315.6% |
| Yr 25 | £43,903 | £910,793 | £31,165 | £178,023 | £653,816 | 446.7% |
| Yr 30 | £49,672 | £1,055,859 | £35,319 | £264,543 | £885,402 | 605.0% |
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 | £1,720 | 4.7% | 3.0% | £-686 | -13.4% |
| Conservative | £1,882 | 5.2% | 3.5% | £-215 | -2.2% |
| Base | £2,024 | 5.6% | 3.9% | £61 | 2.5% |
| Optimistic | £2,186 | 6.0% | 4.4% | £357 | 8.0% |
| Bull | £2,388 | 6.6% | 4.9% | £691 | 14.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.58% |
| Net Yield | ●3.92% |
| Net Annual Income | £17,042 |
| Deductions: void 8% (−£1,942) · mgmt 10% (−£2,427) · maint 10% (−£2,427) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,357 |
| Monthly Cashflow (IO) | ●£63 |
| Cash-on-Cash Return | ●0.5% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £33,500 |
| SDLT Effective Rate | 7.7% |
| SDLT (Company) | £33,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,262 |
| SPV Annual Saving | £4,328 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £504,284 |
| Less: Purchase Price | −£435,000 |
| Less: Buying Costs (SDLT + legal) | −£36,100 |
| Less: Selling Costs (est. 2.5%) | −£12,607 |
| = CGT Net Gain (5yr) | £20,577 |
| CGT at 24% | £4,219 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,720 | 4.7% | 3.0% | £-686 | -13.4% |
| Conservative | £1,882 | 5.2% | 3.5% | £-215 | -2.2% |
| Base | £2,024 | 5.6% | 3.9% | £61 | 2.5% |
| Optimistic | £2,186 | 6.0% | 4.4% | £357 | 8.0% |
| Bull | £2,388 | 6.6% | 4.9% | £691 | 14.8% |
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