🔒 Sign in to view the address — DAGENHAM
House · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 15% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £450 |
| Hallway / Stairs | £200 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Total Estimated Refurb | £2,900 |
⚠ 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
- £360,000
- Property Type
- House
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- 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 | £20,448 | £370,800 | £14,278 | £778 | £11,578 | 9.6% |
| Yr 3 | £21,483 | £393,382 | £15,023 | £3,446 | £36,828 | 30.7% |
| Yr 5 | £22,571 | £417,339 | £15,806 | £7,662 | £65,000 | 54.1% |
| Yr 10 | £25,537 | £483,810 | £17,941 | £25,492 | £149,302 | 124.3% |
| Yr 15 | £28,892 | £560,868 | £20,358 | £54,829 | £255,697 | 212.9% |
| Yr 20 | £32,689 | £650,200 | £23,091 | £97,183 | £387,383 | 322.6% |
| Yr 25 | £36,985 | £753,760 | £26,184 | £154,265 | £548,025 | 456.3% |
| Yr 30 | £41,845 | £873,814 | £29,683 | £228,010 | £741,825 | 617.7% |
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)
2 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 | £1,449 | 4.8% | 3.0% | £-558 | -13.0% |
| Conservative | £1,586 | 5.3% | 3.6% | £-165 | -1.9% |
| Base | £1,705 | 5.7% | 4.0% | £66 | 2.9% |
| Optimistic | £1,841 | 6.1% | 4.4% | £313 | 8.3% |
| Bull | £2,012 | 6.7% | 5.0% | £592 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.68% |
| Net Yield | ●3.97% |
| Net Annual Income | £14,286 |
| Deductions: void 8% (−£1,636) · mgmt 10% (−£2,045) · maint 10% (−£2,045) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,123 |
| Monthly Cashflow (IO) | ●£68 |
| Cash-on-Cash Return | ●0.65% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £26,000 |
| SDLT Effective Rate | 7.22% |
| SDLT (Company) | £26,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,700 |
| SPV Annual Saving | £3,651 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £417,339 |
| Less: Purchase Price | −£360,000 |
| Less: Buying Costs (SDLT + legal) | −£28,600 |
| Less: Selling Costs (est. 2.5%) | −£10,433 |
| = CGT Net Gain (5yr) | £18,306 |
| CGT at 24% | £3,673 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 4.8% | 3.0% | £-558 | -13.0% |
| Conservative | £1,586 | 5.3% | 3.6% | £-165 | -1.9% |
| Base | £1,705 | 5.7% | 4.0% | £66 | 2.9% |
| Optimistic | £1,841 | 6.1% | 4.4% | £313 | 8.3% |
| Bull | £2,012 | 6.7% | 5.0% | £592 | 15.1% |
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