Jonquil Gardens, Hampton
House · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 27.6% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £650,000
- Property Type
- House
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 990 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 — 3/10Behavioural signals: 109 days on market7.1% price cut
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £2,027 |
| ICR (actual) | 1.89x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 135% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £650,000 |
| Deposit (25% — 75% LTV) | £162,500 |
| SDLT (additional property, 5% surcharge) | £55,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £220,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £650,000 | Loan (75% LTV) | £487,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,234 |
| Rent needed (1.5×) | £3,352/mo | Estimated rent | £3,835/mo |
| Stress ratio | 1.72× (need ≥ 1.5×) +£483 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 | £2,317 |
| SA net/mo | £1,889 |
| BTL est./mo | £3,835 |
| SA vs BTL uplift | £-1,518/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £699,979 | +£49,979 | £189,204 | +£26,704 (4.1%) |
| 5 years | £735,415 | +£85,415 | £215,604 | +£53,104 (8.2%) |
| 7 years | £772,646 | +£122,646 | £243,341 | +£80,841 (12.4%) |
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 TW12 2
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 85, HOLLY BUSH LANE, TW12 2QY | Semi | 4 | £795,000 | £600 | 23/02/26 | 0.37 mi |
| 27, CLEVELAND AVENUE, TW12 2RD | Semi | 4 | £665,000 | £524 | 20/02/26 | 0.33 mi |
| 16, TUDOR AVENUE, TW12 2NA | Semi | 4 | £1,375,000 | £829 | 13/02/26 | 0.30 mi |
| 1, JILLIAN CLOSE, TW12 2NX | Terraced | 4 | £755,000 | £566 | 06/02/26 | 0.41 mi |
■ Above subject ■ Below subject
Based on 4 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 | £46,020 | £669,500 | £32,689 | £8,314 | £27,814 | 12.6% |
| Yr 3 | £48,350 | £710,273 | £34,367 | £27,449 | £87,722 | 39.6% |
| Yr 5 | £50,797 | £753,528 | £36,129 | £50,065 | £153,593 | 69.3% |
| Yr 10 | £57,473 | £873,546 | £40,935 | £123,017 | £346,563 | 156.4% |
| Yr 15 | £65,025 | £1,012,679 | £46,373 | £221,864 | £584,542 | 263.8% |
| Yr 20 | £73,570 | £1,173,972 | £52,525 | £350,007 | £873,979 | 394.4% |
| Yr 25 | £83,238 | £1,360,956 | £59,486 | £511,297 | £1,222,253 | 551.6% |
| Yr 30 | £94,176 | £1,577,721 | £67,361 | £710,090 | £1,637,810 | 739.1% |
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 — TW12 2 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,260 | 6.0% | 3.8% | £-559 | -9.5% |
| Conservative | £3,567 | 6.6% | 4.5% | £225 | 0.9% |
| Base | £3,835 | 7.1% | 5.0% | £693 | 5.4% |
| Optimistic | £4,142 | 7.6% | 5.6% | £1,200 | 10.6% |
| Bull | £4,525 | 8.4% | 6.3% | £1,777 | 17.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.08% |
| Net Yield | ●5.03% |
| Net Annual Income | £32,689 |
| Deductions: void 8% (−£3,682) · mgmt 10% (−£4,602) · maint 10% (−£4,602) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,027 |
| Monthly Cashflow (IO) | ●£697 |
| Cash-on-Cash Return | ●3.75% |
| 5-Year IRR | ●5.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £55,000 |
| SDLT Effective Rate | 8.46% |
| SDLT (Company) | £97,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,875 |
| SPV Annual Saving | £7,773 |
| SPV Breakeven | 5.5 yrs |
| CGT Projected Sale (5yr) | £753,528 |
| Less: Purchase Price | −£650,000 |
| Less: Buying Costs (SDLT + legal) | −£57,600 |
| Less: Selling Costs (est. 2.5%) | −£18,838 |
| = CGT Net Gain (5yr) | £27,090 |
| CGT at 24% | £5,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,260 | 6.0% | 3.8% | £-559 | -9.5% |
| Conservative | £3,567 | 6.6% | 4.5% | £225 | 0.9% |
| Base | £3,835 | 7.1% | 5.0% | £693 | 5.4% |
| Optimistic | £4,142 | 7.6% | 5.6% | £1,200 | 10.6% |
| Bull | £4,525 | 8.4% | 6.3% | £1,777 | 17.1% |