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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 16% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 2/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £11,950 |
| Bathroom | £8,800 |
| Living Room | £5,150 |
| Hallway / Stairs | £2,000 |
| Master Bedroom | £4,000 |
| Bedroom 2 | £4,000 |
| Bedroom 3 | £4,000 |
| Total Estimated Refurb | £36,250 |
⚠ 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.
Property Details
- Asking Price
- £460,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 3 | — | — | — | — |
| Sector sale 2 | Semi | 3 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 98 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,435 |
| ICR (actual) | 1.52x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 108% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £460,000 |
| Deposit (25% — 75% LTV) | £115,000 |
| SDLT (additional property, 5% surcharge) | £36,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £153,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £460,000 | Loan (75% LTV) | £345,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,581 |
| Rent needed (1.5×) | £2,372/mo | Estimated rent | £2,179/mo |
| Stress ratio | 1.38× (need ≥ 1.5×) £193 shortfall | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £540,000 |
| 75% remortgage | £405,000 |
| Cash left in deal | £91,250 (40% recycled) |
| Est. BTL cashflow | £-272/mo |
| Gross margin | +£80,000 |
| Reno cost (est.) | –£36,250 |
| Buy + sell costs | –£47,700 |
| Net profit | £-3,950 (-2.6% ROI) |
| SA gross/mo | £985 |
| SA net/mo | £717 |
| BTL est./mo | £2,177 |
| SA vs BTL uplift | £-1,192/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £495,370 | +£35,370 | £133,670 | +£18,670 (4.1%) |
| 5 years | £520,448 | +£60,448 | £152,354 | +£37,354 (8.1%) |
| 7 years | £546,795 | +£86,795 | £171,983 | +£56,983 (12.4%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £26,128 | £473,800 | £18,367 | £1,117 | £14,917 | 9.6% |
| Yr 3 | £27,451 | £502,654 | £19,320 | £4,774 | £47,429 | 30.6% |
| Yr 5 | £28,840 | £533,266 | £20,320 | £10,408 | £83,674 | 53.9% |
| Yr 10 | £32,630 | £618,202 | £23,049 | £33,810 | £192,011 | 123.8% |
| Yr 15 | £36,918 | £716,665 | £26,136 | £71,913 | £328,578 | 211.8% |
| Yr 20 | £41,770 | £830,811 | £29,629 | £126,650 | £497,461 | 320.7% |
| Yr 25 | £47,258 | £963,138 | £33,581 | £200,206 | £703,344 | 453.5% |
| Yr 30 | £53,469 | £1,116,541 | £38,052 | £295,055 | £951,595 | 613.5% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,852 | 4.8% | 3.0% | £-702 | -13.1% |
| Conservative | £2,026 | 5.3% | 3.6% | £-200 | -2.0% |
| Base | £2,179 | 5.7% | 4.0% | £94 | 2.7% |
| Optimistic | £2,353 | 6.1% | 4.4% | £411 | 8.1% |
| Bull | £2,571 | 6.7% | 5.0% | £767 | 14.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.68% |
| Net Yield | ●4.0% |
| Net Annual Income | £18,382 |
| Deductions: void 8% (−£2,090) · mgmt 10% (−£2,613) · maint 10% (−£2,613) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,435 |
| Monthly Cashflow (IO) | ●£97 |
| Cash-on-Cash Return | ●0.73% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £36,000 |
| SDLT Effective Rate | 7.83% |
| SDLT (Company) | £36,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,450 |
| SPV Annual Saving | £4,634 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £533,266 |
| Less: Purchase Price | −£460,000 |
| Less: Buying Costs (SDLT + legal) | −£38,600 |
| Less: Selling Costs (est. 2.5%) | −£13,332 |
| = CGT Net Gain (5yr) | £21,334 |
| CGT at 24% | £4,400 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,852 | 4.8% | 3.0% | £-702 | -13.1% |
| Conservative | £2,026 | 5.3% | 3.6% | £-200 | -2.0% |
| Base | £2,179 | 5.7% | 4.0% | £94 | 2.7% |
| Optimistic | £2,353 | 6.1% | 4.4% | £411 | 8.1% |
| Bull | £2,571 | 6.7% | 5.0% | £767 | 14.9% |