🔒 Sign in to view the address — Colchester
Flat · 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
Estimated (no AI photo score yet) · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,400 |
| Bathroom | £3,250 |
| Living Room | £1,950 |
| Master Bedroom | £2,200 |
| Bedroom 2 | £2,200 |
| Entrance Hall | £450 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | Lexden Builders: Colchester Builders with 30+ Years' Experience | 01206 577591 | — |
| decorator | Painter And Decorator In Colchester | Coopersons | 01206 580500 | — |
| photographer | D&A Photography | 07793 444758 | — |
Property Details
- Asking Price
- £180,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £12,942 | £185,400 | £8,873 | £2,123 | £7,523 | 12.7% |
| Yr 3 | £13,597 | £196,691 | £9,345 | £7,074 | £23,765 | 40.1% |
| Yr 5 | £14,286 | £208,669 | £9,841 | £13,005 | £41,674 | 70.4% |
| Yr 10 | £16,163 | £241,905 | £11,192 | £32,446 | £94,351 | 159.4% |
| Yr 15 | £18,287 | £280,434 | £12,721 | £59,169 | £159,603 | 269.6% |
| Yr 20 | £20,690 | £325,100 | £14,452 | £94,131 | £239,231 | 404.1% |
| Yr 25 | £23,409 | £376,880 | £16,409 | £138,415 | £335,295 | 566.4% |
| Yr 30 | £26,485 | £436,907 | £18,624 | £193,246 | £450,153 | 760.4% |
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)
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 — East of England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 102 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £917 | 6.1% | 3.7% | £-172 | -9.2% |
| Conservative | £1,003 | 6.7% | 4.4% | £47 | 1.5% |
| Base | £1,079 | 7.2% | 4.9% | £177 | 6.1% |
| Optimistic | £1,165 | 7.8% | 5.5% | £319 | 11.3% |
| Bull | £1,273 | 8.5% | 6.2% | £481 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.19% |
| Net Yield | ●4.93% |
| Net Annual Income | £8,878 |
| Deductions: void 8% (−£1,035) · mgmt 10% (−£1,294) · maint 10% (−£1,294) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£179 |
| Cash-on-Cash Return | ●3.59% |
| 5-Year IRR | ●6.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,261 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £917 | 6.1% | 3.7% | £-172 | -9.2% |
| Conservative | £1,003 | 6.7% | 4.4% | £47 | 1.5% |
| Base | £1,079 | 7.2% | 4.9% | £177 | 6.1% |
| Optimistic | £1,165 | 7.8% | 5.5% | £319 | 11.3% |
| Bull | £1,273 | 8.5% | 6.2% | £481 | 17.9% |
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