🔒 Sign in to view the address — Dagenham
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 8% above the area median. Offers anchored to area median of £380,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £1,900 |
| Living Room | £1,150 |
| Hallway / Stairs | £400 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Total Estimated Refurb | £7,250 |
⚠ 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 | M Cole Builders: Builders | Building Services | Romford | 01708 755771 | — |
| decorator | Painters and Decorators Romford | Byron Quality Decorators | 01708 378 624 | — |
| photographer | Essex Wedding Photographer | Natural Wedding Photography | 07887 517 536 | — |
Property Details
- Asking Price
- £410,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £22,550 | £422,300 | £15,791 | £416 | £12,716 | 9.2% |
| Yr 3 | £23,692 | £448,018 | £16,613 | £2,476 | £40,494 | 29.4% |
| Yr 5 | £24,891 | £475,302 | £17,477 | £6,242 | £71,544 | 52.0% |
| Yr 10 | £28,162 | £551,006 | £19,832 | £23,698 | £164,704 | 119.7% |
| Yr 15 | £31,863 | £638,767 | £22,496 | £53,843 | £282,609 | 205.4% |
| Yr 20 | £36,050 | £740,506 | £25,511 | £98,343 | £428,849 | 311.7% |
| Yr 25 | £40,787 | £858,449 | £28,921 | £159,085 | £607,534 | 441.5% |
| Yr 30 | £46,146 | £995,178 | £32,780 | £238,204 | £823,382 | 598.4% |
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)
1 planning application 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 | £1,597 | 4.7% | 2.9% | £-665 | -13.6% |
| Conservative | £1,747 | 5.1% | 3.5% | £-223 | -2.4% |
| Base | £1,879 | 5.5% | 3.9% | £35 | 2.4% |
| Optimistic | £2,029 | 5.9% | 4.3% | £311 | 7.8% |
| Bull | £2,217 | 6.5% | 4.8% | £623 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.5% |
| Net Yield | ●3.85% |
| Net Annual Income | £15,790 |
| Deductions: void 8% (−£1,804) · mgmt 10% (−£2,255) · maint 10% (−£2,255) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,279 |
| Monthly Cashflow (IO) | ●£37 |
| Cash-on-Cash Return | ●0.3% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £31,000 |
| SDLT Effective Rate | 7.56% |
| SDLT (Company) | £31,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,075 |
| SPV Annual Saving | £4,036 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £475,302 |
| Less: Purchase Price | −£410,000 |
| Less: Buying Costs (SDLT + legal) | −£33,600 |
| Less: Selling Costs (est. 2.5%) | −£11,883 |
| = CGT Net Gain (5yr) | £19,819 |
| CGT at 24% | £4,037 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,597 | 4.7% | 2.9% | £-665 | -13.6% |
| Conservative | £1,747 | 5.1% | 3.5% | £-223 | -2.4% |
| Base | £1,879 | 5.5% | 3.9% | £35 | 2.4% |
| Optimistic | £2,029 | 5.9% | 4.3% | £311 | 7.8% |
| Bull | £2,217 | 6.5% | 4.8% | £623 | 14.7% |
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