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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £2,750 |
| Bedroom 2 | £2,750 |
| Entrance Hall | £550 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | Builders Dartford - Building Contractors in Kent | Local ... | 01322 784014 | — |
| decorator | RSG Decorators | 07809 475337 | — |
| photographer | Harriet Buckingham Photography Photographer in Dartford | 07717 740 072 | — |
Property Details
- Asking Price
- £230,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £16,951 | £236,900 | £11,760 | £3,135 | £10,035 | 13.3% |
| Yr 3 | £17,809 | £251,327 | £12,378 | £10,327 | £31,654 | 42.1% |
| Yr 5 | £18,711 | £266,633 | £13,027 | £18,802 | £55,435 | 73.7% |
| Yr 10 | £21,169 | £309,101 | £14,797 | £46,034 | £125,135 | 166.4% |
| Yr 15 | £23,951 | £358,333 | £16,800 | £82,804 | £211,137 | 280.8% |
| Yr 20 | £27,099 | £415,406 | £19,066 | £130,365 | £315,771 | 419.9% |
| Yr 25 | £30,660 | £481,569 | £21,630 | £190,136 | £441,705 | 587.4% |
| Yr 30 | £34,689 | £558,270 | £24,531 | £263,720 | £591,991 | 787.2% |
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)
2 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 — Greater London ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 179 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,200 | 6.3% | 3.9% | £-191 | -8.4% |
| Conservative | £1,313 | 6.9% | 4.6% | £92 | 2.1% |
| Base | £1,412 | 7.4% | 5.1% | £261 | 6.7% |
| Optimistic | £1,525 | 8.0% | 5.7% | £445 | 11.9% |
| Bull | £1,666 | 8.7% | 6.4% | £654 | 18.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.37% |
| Net Yield | ●5.11% |
| Net Annual Income | £11,755 |
| Deductions: void 8% (−£1,356) · mgmt 10% (−£1,695) · maint 10% (−£1,695) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£263 |
| Cash-on-Cash Return | ●4.16% |
| 5-Year IRR | ●6.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £2,915 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,200 | 6.3% | 3.9% | £-191 | -8.4% |
| Conservative | £1,313 | 6.9% | 4.6% | £92 | 2.1% |
| Base | £1,412 | 7.4% | 5.1% | £261 | 6.7% |
| Optimistic | £1,525 | 8.0% | 5.7% | £445 | 11.9% |
| Bull | £1,666 | 8.7% | 6.4% | £654 | 18.4% |
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