Elmcroft Close, Feltham
Ground Maisonette · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 14.1% below the comparable sales mean — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £275,000
- Property Type
- Ground Maisonette
- 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: 118 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £858 |
| ICR (actual) | 2.21x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £275,000 |
| Deposit (25% — 75% LTV) | £68,750 |
| SDLT (additional property, 5% surcharge) | £17,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £89,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £275,000 | Loan (75% LTV) | £206,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £945 |
| Rent needed (1.5×) | £1,418/mo | Estimated rent | £1,896/mo |
| Stress ratio | 2.01× (need ≥ 1.5×) +£478 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 | £296,145 | +£21,145 | £79,598 | +£10,848 (3.9%) |
| 5 years | £311,137 | +£36,137 | £90,767 | +£22,017 (8.0%) |
| 7 years | £326,889 | +£51,889 | £102,502 | +£33,752 (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 | 0.54 mi |
| FLAT 10, DENMAN HOUSE, 1, NEW ROAD, TW14 9AJ | Flat | 2 | £295,000 | £392 | 24/09/25 | 0.68 mi |
| 96, FRUEN ROAD, TW14 9NR | Flat | 2 | £345,000 | £386 | 18/09/25 | 0.29 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 | £22,742 | £283,250 | £15,930 | £5,617 | £13,867 | 15.3% |
| Yr 3 | £23,894 | £300,500 | £16,759 | £18,090 | £43,590 | 48.2% |
| Yr 5 | £25,103 | £318,800 | £17,629 | £32,283 | £76,083 | 84.2% |
| Yr 10 | £28,402 | £369,577 | £20,005 | £75,876 | £170,453 | 188.7% |
| Yr 15 | £32,135 | £428,441 | £22,692 | £132,266 | £285,707 | 316.2% |
| Yr 20 | £36,357 | £496,681 | £25,732 | £203,134 | £424,814 | 470.2% |
| Yr 25 | £41,135 | £575,789 | £29,172 | £290,382 | £591,171 | 654.3% |
| Yr 30 | £46,540 | £667,497 | £33,064 | £396,164 | £788,661 | 872.9% |
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)
🌎 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 | 7.0% | 4.4% | £-107 | -5.9% |
| Conservative | £1,763 | 7.7% | 5.2% | £252 | 4.1% |
| Base | £1,896 | 8.3% | 5.8% | £469 | 8.5% |
| Optimistic | £2,048 | 8.9% | 6.5% | £705 | 13.6% |
| Bull | £2,237 | 9.8% | 7.3% | £976 | 20.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.27% |
| Net Yield | ●5.79% |
| 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 | £858 |
| Monthly Cashflow (IO) | ●£470 |
| Cash-on-Cash Return | ●6.22% |
| 5-Year IRR | ●8.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,500 |
| SDLT Effective Rate | 6.36% |
| SDLT (Company) | £17,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,062 |
| SPV Annual Saving | £3,812 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £318,800 |
| Less: Purchase Price | −£275,000 |
| Less: Buying Costs (SDLT + legal) | −£20,100 |
| Less: Selling Costs (est. 2.5%) | −£7,970 |
| = CGT Net Gain (5yr) | £15,730 |
| CGT at 24% | £3,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,612 | 7.0% | 4.4% | £-107 | -5.9% |
| Conservative | £1,763 | 7.7% | 5.2% | £252 | 4.1% |
| Base | £1,896 | 8.3% | 5.8% | £469 | 8.5% |
| Optimistic | £2,048 | 8.9% | 6.5% | £705 | 13.6% |
| Bull | £2,237 | 9.8% | 7.3% | £976 | 20.0% |