Hanworth Road, Hampton
End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 12.3% below the comparable sales mean — some negotiation possible but limited margin.
Property Details
- Asking Price
- £625,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 915 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 1/10Behavioural signals: 70 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,949 |
| ICR (actual) | 1.97x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 140% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £625,000 |
| Deposit (25% — 75% LTV) | £156,250 |
| SDLT (additional property, 5% surcharge) | £52,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £211,749 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £625,000 | Loan (75% LTV) | £468,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,148 |
| Rent needed (1.5×) | £3,223/mo | Estimated rent | £3,835/mo |
| Stress ratio | 1.79× (need ≥ 1.5×) +£612 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 | £3,833 |
| SA vs BTL uplift | £-1,516/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £673,057 | +£48,057 | £181,897 | +£25,647 (4.1%) |
| 5 years | £707,130 | +£82,130 | £207,282 | +£51,032 (8.2%) |
| 7 years | £742,929 | +£117,929 | £233,952 | +£77,702 (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
⚠️ Only 1 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 1, JILLIAN CLOSE, TW12 2NX | Terraced | 4 | £755,000 | £566 | 06/02/26 | 0.92 mi |
| 8, RIPLEY ROAD, TW12 2JH | Terraced | 3 | £835,000 | £705 | 30/01/26 | 0.90 mi |
| 1, PARRS PLACE, TW12 2NJ | Terraced | 2 | £500,000 | £737 | 07/01/26 | 1.04 mi |
| 38, CHURCH STREET, TW12 2EG | Terraced | 2 | £665,000 | £936 | 06/01/26 | 1.53 mi |
| 9, OLDFIELD ROAD, TW12 2AD | Terraced | 2 | £615,000 | £783 | 05/01/26 | 1.25 mi |
| 1, QUEENS BENCH COTTAGES, STATION ROAD, TW12 2DB | Terraced | 1 | £475,000 | £769 | 11/12/25 | 1.36 mi |
| 21, HILL HOUSE DRIVE, TW12 2FD | Terraced | 5 | £1,198,000 | £480 | 11/12/25 | 1.33 mi |
| 1B, AVENUE ROAD, TW12 2BH | Terraced | 2 | £605,000 | £730 | 28/11/25 | 1.38 mi |
| 42, STATION ROAD, TW12 2DA | Terraced | 3 | £736,000 | £805 | 28/11/25 | 1.38 mi |
| 36, AVENUE ROAD, TW12 2BE | Terraced | 2 | £745,000 | £832 | 25/11/25 | 1.37 mi |
■ Above subject ■ Below subject
Based on 10 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 | £46,000 | £643,750 | £32,675 | £9,238 | £27,988 | 13.1% |
| Yr 3 | £48,329 | £682,954 | £34,352 | £30,217 | £88,172 | 41.4% |
| Yr 5 | £50,775 | £724,546 | £36,113 | £54,677 | £154,223 | 72.5% |
| Yr 10 | £57,448 | £839,948 | £40,917 | £132,231 | £347,179 | 163.1% |
| Yr 15 | £64,997 | £973,730 | £46,353 | £235,668 | £584,398 | 274.6% |
| Yr 20 | £73,538 | £1,128,820 | £52,502 | £368,389 | £872,209 | 409.8% |
| Yr 25 | £83,201 | £1,308,611 | £59,460 | £534,243 | £1,217,854 | 572.2% |
| Yr 30 | £94,135 | £1,517,039 | £67,332 | £737,583 | £1,629,622 | 765.6% |
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 | 6.3% | 4.0% | £-457 | -8.7% |
| Conservative | £3,567 | 6.8% | 4.7% | £311 | 1.5% |
| Base | £3,835 | 7.4% | 5.2% | £771 | 6.0% |
| Optimistic | £4,142 | 8.0% | 5.8% | £1,270 | 11.1% |
| Bull | £4,525 | 8.7% | 6.5% | £1,840 | 17.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.36% |
| Net Yield | ●5.23% |
| Net Annual Income | £32,689 |
| Deductions: void 8% (−£3,680) · mgmt 10% (−£4,600) · maint 10% (−£4,600) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,949 |
| Monthly Cashflow (IO) | ●£775 |
| Cash-on-Cash Return | ●4.35% |
| 5-Year IRR | ●6.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £52,500 |
| SDLT Effective Rate | 8.4% |
| SDLT (Company) | £93,750 |
| Section 24 Extra Tax/yr (higher rate) | £4,688 |
| SPV Annual Saving | £7,726 |
| SPV Breakeven | 5.3 yrs |
| CGT Projected Sale (5yr) | £724,546 |
| Less: Purchase Price | −£625,000 |
| Less: Buying Costs (SDLT + legal) | −£55,100 |
| Less: Selling Costs (est. 2.5%) | −£18,114 |
| = CGT Net Gain (5yr) | £26,332 |
| CGT at 24% | £5,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,260 | 6.3% | 4.0% | £-457 | -8.7% |
| Conservative | £3,567 | 6.8% | 4.7% | £311 | 1.5% |
| Base | £3,835 | 7.4% | 5.2% | £771 | 6.0% |
| Optimistic | £4,142 | 8.0% | 5.8% | £1,270 | 11.1% |
| Bull | £4,525 | 8.7% | 6.5% | £1,840 | 17.6% |