Page Road, Bedfont
Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £299,999
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 657 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 154 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £936 |
| ICR (actual) | 2.03x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 145% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £299,999 |
| Deposit (25% — 75% LTV) | £74,999 |
| SDLT (additional property, 5% surcharge) | £20,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £97,998 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £299,999 | Loan (75% LTV) | £224,999 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,031 |
| Rent needed (1.5×) | £1,547/mo | Estimated rent | £1,896/mo |
| Stress ratio | 1.84× (need ≥ 1.5×) +£349 surplus | ||
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 (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £876 |
| SA net/mo | £621 |
| BTL est./mo | £1,895 |
| SA vs BTL uplift | £-1,019/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £323,066 | +£23,067 | £86,905 | +£11,905 (4.0%) |
| 5 years | £339,421 | +£39,422 | £99,089 | +£24,090 (8.0%) |
| 7 years | £356,605 | +£56,606 | £111,891 | +£36,891 (12.3%) |
Projections: 2.5% pa HPI, 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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Location
Comparable Sales in TW14 9
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 84, FRANK TOWELL COURT, GLEBELANDS ROAD, TW14 9BW | Flat | 2 | £320,000 | £419 | 13/11/25 | 0.87 mi |
| FLAT 10, DENMAN HOUSE, 1, NEW ROAD, TW14 9AJ | Flat | 2 | £295,000 | £392 | 24/09/25 | 1.00 mi |
| 96, FRUEN ROAD, TW14 9NR | Flat | 2 | £345,000 | £386 | 18/09/25 | 0.62 mi |
■ 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.
📈 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 | £22,740 | £308,999 | £15,928 | £4,678 | £13,678 | 13.8% |
| Yr 3 | £23,891 | £327,817 | £16,757 | £15,272 | £43,090 | 43.5% |
| Yr 5 | £25,101 | £347,781 | £17,627 | £27,586 | £75,368 | 76.1% |
| Yr 10 | £28,399 | £403,174 | £20,002 | £66,480 | £169,655 | 171.2% |
| Yr 15 | £32,131 | £467,389 | £22,689 | £118,170 | £285,560 | 288.2% |
| Yr 20 | £36,353 | £541,832 | £25,729 | £184,337 | £426,169 | 430.0% |
| Yr 25 | £41,130 | £628,131 | £29,169 | £266,882 | £595,015 | 600.4% |
| Yr 30 | £46,535 | £728,176 | £33,060 | £367,959 | £796,136 | 803.4% |
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)
🌎 Area Profile — TW14 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,612 | 6.4% | 4.0% | £-208 | -7.8% |
| Conservative | £1,763 | 7.1% | 4.8% | £166 | 2.5% |
| Base | £1,896 | 7.6% | 5.3% | £391 | 7.0% |
| Optimistic | £2,048 | 8.2% | 5.9% | £634 | 12.1% |
| Bull | £2,237 | 8.9% | 6.7% | £913 | 18.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.58% |
| Net Yield | ●5.31% |
| Net Annual Income | £15,936 |
| Deductions: void 8% (−£1,819) · mgmt 10% (−£2,274) · maint 10% (−£2,274) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £936 |
| Monthly Cashflow (IO) | ●£392 |
| Cash-on-Cash Return | ●4.73% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,000 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £20,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £3,859 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,781 |
| Less: Purchase Price | −£299,999 |
| Less: Buying Costs (SDLT + legal) | −£22,600 |
| Less: Selling Costs (est. 2.5%) | −£8,695 |
| = CGT Net Gain (5yr) | £16,487 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,612 | 6.4% | 4.0% | £-208 | -7.8% |
| Conservative | £1,763 | 7.1% | 4.8% | £166 | 2.5% |
| Base | £1,896 | 7.6% | 5.3% | £391 | 7.0% |
| Optimistic | £2,048 | 8.2% | 5.9% | £634 | 12.1% |
| Bull | £2,237 | 8.9% | 6.7% | £913 | 18.6% |