🔒 Sign in to view the address — Enfield
House · 3 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) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | Builders Enfield North London EN1 home improvement local Builders | 0208 688 5570 | — |
| decorator | Residential and Commercial Painter and Decorator Enfield | 020 3514 4618 | — |
| photographer | Enfield Photographer - Children, Families, Headshots, Personal ... | 07976 374412 | — |
Property Details
- Asking Price
- £409,950
- Property Type
- House
- Bedrooms
- 3
- 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 | £24,269 | £422,248 | £17,029 | £1,656 | £13,954 | 10.1% |
| Yr 3 | £25,498 | £447,963 | £17,913 | £6,288 | £44,302 | 32.2% |
| Yr 5 | £26,788 | £475,244 | £18,843 | £12,757 | £78,051 | 56.7% |
| Yr 10 | £30,309 | £550,939 | £21,377 | £37,583 | £178,572 | 129.8% |
| Yr 15 | £34,292 | £638,689 | £24,245 | £76,065 | £304,804 | 221.5% |
| Yr 20 | £38,798 | £740,415 | £27,489 | £129,997 | £460,463 | 334.7% |
| Yr 25 | £43,896 | £858,344 | £31,160 | £201,410 | £649,804 | 472.3% |
| Yr 30 | £49,664 | £995,056 | £35,313 | £292,599 | £877,706 | 637.9% |
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 | £1,720 | 5.0% | 3.2% | £-584 | -12.4% |
| Conservative | £1,882 | 5.5% | 3.7% | £-129 | -1.4% |
| Base | £2,024 | 5.9% | 4.2% | £139 | 3.3% |
| Optimistic | £2,186 | 6.4% | 4.6% | £428 | 8.7% |
| Bull | £2,388 | 7.0% | 5.2% | £753 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.92% |
| Net Yield | ●4.16% |
| Net Annual Income | £17,042 |
| Deductions: void 8% (−£1,942) · mgmt 10% (−£2,427) · maint 10% (−£2,427) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,279 |
| Monthly Cashflow (IO) | ●£141 |
| Cash-on-Cash Return | ●1.21% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,995 |
| SDLT Effective Rate | 7.56% |
| SDLT (Company) | £30,995 |
| Section 24 Extra Tax/yr (higher rate) | £3,075 |
| SPV Annual Saving | £4,281 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £475,244 |
| Less: Purchase Price | −£409,950 |
| Less: Buying Costs (SDLT + legal) | −£33,595 |
| Less: Selling Costs (est. 2.5%) | −£11,881 |
| = CGT Net Gain (5yr) | £19,818 |
| CGT at 24% | £4,036 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,720 | 5.0% | 3.2% | £-584 | -12.4% |
| Conservative | £1,882 | 5.5% | 3.7% | £-129 | -1.4% |
| Base | £2,024 | 5.9% | 4.2% | £139 | 3.3% |
| Optimistic | £2,186 | 6.4% | 4.6% | £428 | 8.7% |
| Bull | £2,388 | 7.0% | 5.2% | £753 | 15.4% |
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