🔒 Sign in to view the address — Dagenham
Terraced · 4 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 | £1,350 |
| Bedroom 2 | £1,350 |
| Bedroom 3 | £1,350 |
| Bedroom 4 | £1,350 |
| 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 | 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
- £375,000
- Property Type
- Terraced
- Bedrooms
- 4
- 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 | £30,038 | £386,250 | £21,182 | £7,120 | £18,370 | 14.7% |
| Yr 3 | £31,558 | £409,773 | £22,277 | £22,994 | £57,767 | 46.1% |
| Yr 5 | £33,156 | £434,728 | £23,427 | £41,141 | £100,869 | 80.5% |
| Yr 10 | £37,513 | £503,969 | £26,564 | £97,221 | £226,189 | 180.4% |
| Yr 15 | £42,442 | £584,238 | £30,113 | £170,201 | £379,439 | 302.7% |
| Yr 20 | £48,019 | £677,292 | £34,129 | £262,304 | £564,596 | 450.4% |
| Yr 25 | £54,330 | £785,167 | £38,672 | £376,042 | £786,209 | 627.2% |
| Yr 30 | £61,469 | £910,223 | £43,813 | £514,259 | £1,049,482 | 837.2% |
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 | £2,128 | 6.8% | 4.3% | £-177 | -6.8% |
| Conservative | £2,329 | 7.5% | 5.1% | £304 | 3.2% |
| Base | £2,504 | 8.0% | 5.7% | £594 | 7.7% |
| Optimistic | £2,704 | 8.7% | 6.3% | £909 | 12.7% |
| Bull | £2,955 | 9.5% | 7.1% | £1,271 | 19.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.01% |
| Net Yield | ●5.65% |
| Net Annual Income | £21,190 |
| Deductions: void 8% (−£2,403) · mgmt 10% (−£3,004) · maint 10% (−£3,004) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£596 |
| Cash-on-Cash Return | ●5.69% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,812 |
| SPV Annual Saving | £5,021 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,128 | 6.8% | 4.3% | £-177 | -6.8% |
| Conservative | £2,329 | 7.5% | 5.1% | £304 | 3.2% |
| Base | £2,504 | 8.0% | 5.7% | £594 | 7.7% |
| Optimistic | £2,704 | 8.7% | 6.3% | £909 | 12.7% |
| Bull | £2,955 | 9.5% | 7.1% | £1,271 | 19.1% |
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