🔒 Sign in to view the address — Dagenham
Terraced · 2 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: 6/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £1,900 |
| Living Room | £1,150 |
| Hallway / Stairs | £400 |
| Master Bedroom | £1,300 |
| Bedroom 2 | £1,300 |
| 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
- £350,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £20,475 | £360,500 | £14,297 | £1,172 | £11,672 | 10.0% |
| Yr 3 | £21,512 | £382,454 | £15,043 | £4,631 | £37,085 | 31.8% |
| Yr 5 | £22,601 | £405,746 | £15,827 | £9,639 | £65,385 | 56.1% |
| Yr 10 | £25,570 | £470,371 | £17,966 | £29,460 | £149,831 | 128.5% |
| Yr 15 | £28,931 | £545,289 | £20,385 | £60,802 | £256,091 | 219.6% |
| Yr 20 | £32,732 | £632,139 | £23,122 | £105,179 | £387,318 | 332.2% |
| Yr 25 | £37,034 | £732,822 | £26,219 | £164,304 | £547,126 | 469.2% |
| Yr 30 | £41,900 | £849,542 | £29,723 | £240,114 | £739,656 | 634.4% |
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 | £1,449 | 5.0% | 3.1% | £-517 | -12.6% |
| Conservative | £1,586 | 5.4% | 3.7% | £-130 | -1.5% |
| Base | £1,705 | 5.8% | 4.1% | £97 | 3.2% |
| Optimistic | £1,841 | 6.3% | 4.5% | £341 | 8.6% |
| Bull | £2,012 | 6.9% | 5.1% | £617 | 15.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.85% |
| Net Yield | ●4.08% |
| Net Annual Income | £14,286 |
| Deductions: void 8% (−£1,638) · mgmt 10% (−£2,047) · maint 10% (−£2,047) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£98 |
| Cash-on-Cash Return | ●1.0% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,632 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 5.0% | 3.1% | £-517 | -12.6% |
| Conservative | £1,586 | 5.4% | 3.7% | £-130 | -1.5% |
| Base | £1,705 | 5.8% | 4.1% | £97 | 3.2% |
| Optimistic | £1,841 | 6.3% | 4.5% | £341 | 8.6% |
| Bull | £2,012 | 6.9% | 5.1% | £617 | 15.4% |
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