🔒 Sign in to view the address — Norwich
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £220,000. 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 | £4,300 |
| Bathroom | £3,200 |
| Living Room | £1,850 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,450 |
| Bedroom 2 | £1,450 |
| Bedroom 3 | £1,450 |
| 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 | John Russen Builders: Home | 07766414920 | — |
| decorator | Norwich Painter & Decorator, Jonathan Miller, Interior, Exterior ... | 07766 023097 | — |
| photographer | ETT Photography | 07733 102069 | — |
Property Details
- Asking Price
- £235,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- 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 | £13,630 | £242,050 | £9,369 | £556 | £7,606 | 9.9% |
| Yr 3 | £14,320 | £256,791 | £9,865 | £2,410 | £24,201 | 31.5% |
| Yr 5 | £15,045 | £272,429 | £10,387 | £5,296 | £42,725 | 55.6% |
| Yr 10 | £17,022 | £315,820 | £11,811 | £17,371 | £98,191 | 127.9% |
| Yr 15 | £19,259 | £366,122 | £13,421 | £37,114 | £168,237 | 219.1% |
| Yr 20 | £21,790 | £424,436 | £15,244 | £65,535 | £254,971 | 332.0% |
| Yr 25 | £24,653 | £492,038 | £17,305 | £103,773 | £360,811 | 469.8% |
| Yr 30 | £27,893 | £570,407 | £19,638 | £153,119 | £488,525 | 636.1% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 4.9% | 3.0% | £-364 | -12.6% |
| Conservative | £1,056 | 5.4% | 3.6% | £-105 | -1.4% |
| Base | £1,136 | 5.8% | 4.0% | £46 | 3.4% |
| Optimistic | £1,227 | 6.3% | 4.4% | £210 | 8.9% |
| Bull | £1,340 | 6.8% | 5.0% | £394 | 15.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.8% |
| Net Yield | ●3.99% |
| Net Annual Income | £9,370 |
| Deductions: void 8% (−£1,090) · mgmt 10% (−£1,363) · maint 10% (−£1,363) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £733 |
| Monthly Cashflow (IO) | ●£48 |
| Cash-on-Cash Return | ●0.73% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,950 |
| SDLT Effective Rate | 5.94% |
| SDLT (Company) | £13,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,763 |
| SPV Annual Saving | £2,461 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £272,429 |
| Less: Purchase Price | −£235,000 |
| Less: Buying Costs (SDLT + legal) | −£16,550 |
| Less: Selling Costs (est. 2.5%) | −£6,811 |
| = CGT Net Gain (5yr) | £14,068 |
| CGT at 24% | £2,656 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £966 | 4.9% | 3.0% | £-364 | -12.6% |
| Conservative | £1,056 | 5.4% | 3.6% | £-105 | -1.4% |
| Base | £1,136 | 5.8% | 4.0% | £46 | 3.4% |
| Optimistic | £1,227 | 6.3% | 4.4% | £210 | 8.9% |
| Bull | £1,340 | 6.8% | 5.0% | £394 | 15.7% |
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