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Terraced · 6 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 53% above the comparable sales mean. Offers anchored to comparable sales mean of £359,000.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,300 |
| Bathroom | £1,700 |
| Living Room | £950 |
| Hallway / Stairs | £350 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Bedroom 3 | £350 |
| Bedroom 4 | £350 |
| Bedroom 5 | £350 |
| Bedroom 6 | £350 |
| Total Estimated Refurb | £6,250 |
⚠ 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.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Canterbury Construction Limited | 07902 020802 | — |
| decorator | T&J Painting Solutions | 07522 489992 | — |
| photographer | Canterbury Wedding Photographer | 030-00648083 | — |
Property Details
- Asking Price
- £550,000
- Property Type
- Terraced
- Bedrooms
- 6
- Number of Units
- 4 units
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 5-7-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 6 | — | — | — | — |
| Sector sale 2 | Terraced | 5 | — | — | — | — |
| Sector sale 3 | Terraced | 6 | — | — | — | — |
| Sector sale 4 | Terraced | 6 | — | — | — | — |
| Sector sale 5 | Terraced | 5 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 90 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,715 |
| ICR (actual) | 2.14x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £550,000 |
| Deposit (25% — 75% LTV) | £137,500 |
| SDLT (additional property, 5% surcharge) | £45,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £185,499 |
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 | £550,000 | Loan (75% LTV) | £412,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,891 |
| Rent needed (1.5×) | £2,836/mo | Estimated rent | £1,103/mo |
| Stress ratio | 0.58× (need ≥ 1.5×) £1733 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) | £632,500 |
| 75% remortgage | £474,375 |
| Cash left in deal | £81,875 (43% recycled) |
| Est. BTL cashflow | +£407/mo |
| Gross margin | £-255,000 |
| Reno cost (est.) | –£6,250 |
| Buy + sell costs | –£53,025 |
| Net profit | £-314,275 (-218.6% ROI) |
| SA gross/mo | £2,398 |
| SA net/mo | £1,960 |
| BTL est./mo | £3,667 |
| SA vs BTL uplift | £-1,269/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £592,290 | +£42,290 | £159,976 | +£22,476 (4.1%) |
| 5 years | £622,275 | +£72,275 | £182,315 | +£44,815 (8.1%) |
| 7 years | £653,777 | +£103,777 | £205,784 | +£68,284 (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 | £44,000 | £566,500 | £31,235 | £10,610 | £27,110 | 14.5% |
| Yr 3 | £46,228 | £601,000 | £32,839 | £34,226 | £85,226 | 45.7% |
| Yr 5 | £48,568 | £637,601 | £34,524 | £61,170 | £148,771 | 79.7% |
| Yr 10 | £54,950 | £739,154 | £39,119 | £144,223 | £333,377 | 178.7% |
| Yr 15 | £62,171 | £856,882 | £44,318 | £252,033 | £558,916 | 299.5% |
| Yr 20 | £70,341 | £993,361 | £50,200 | £387,855 | £831,216 | 445.5% |
| Yr 25 | £79,584 | £1,151,578 | £56,855 | £555,368 | £1,156,946 | 620.0% |
| Yr 30 | £90,042 | £1,334,994 | £64,385 | £758,738 | £1,543,732 | 827.3% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,117 | 6.8% | 4.3% | £-245 | -7.0% |
| Conservative | £3,410 | 7.4% | 5.1% | £460 | 3.0% |
| Base | £3,667 | 8.0% | 5.7% | £884 | 7.4% |
| Optimistic | £3,960 | 8.6% | 6.3% | £1,347 | 12.4% |
| Bull | £4,327 | 9.4% | 7.1% | £1,876 | 18.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.0% |
| Net Yield | ●5.68% |
| Net Annual Income | £31,238 |
| Deductions: void 8% (−£3,520) · mgmt 10% (−£4,400) · maint 10% (−£4,400) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,715 |
| Monthly Cashflow (IO) | ●£888 |
| Cash-on-Cash Return | ●5.69% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £45,000 |
| SDLT Effective Rate | 8.18% |
| SDLT (Company) | £82,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,125 |
| SPV Annual Saving | £7,303 |
| SPV Breakeven | 5.1 yrs |
| CGT Projected Sale (5yr) | £637,601 |
| Less: Purchase Price | −£550,000 |
| Less: Buying Costs (SDLT + legal) | −£47,600 |
| Less: Selling Costs (est. 2.5%) | −£15,940 |
| = CGT Net Gain (5yr) | £24,061 |
| CGT at 24% | £5,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,117 | 6.8% | 4.3% | £-245 | -7.0% |
| Conservative | £3,410 | 7.4% | 5.1% | £460 | 3.0% |
| Base | £3,667 | 8.0% | 5.7% | £884 | 7.4% |
| Optimistic | £3,960 | 8.6% | 6.3% | £1,347 | 12.4% |
| Bull | £4,327 | 9.4% | 7.1% | £1,876 | 18.8% |
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