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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the comparable sales mean — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £2,000 |
| Living Room | £1,150 |
| Master Bedroom | £2,650 |
| Entrance Hall | £250 |
| Total Estimated Refurb | £7,250 |
⚠ 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 | 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
- £200,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 1 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 1 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
| Sector sale 8 | Flat | 1 | — | — | — | — |
■ Above subject ■ Below subject
Based on 8 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.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 134 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £624 |
| ICR (actual) | 2.26x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £200,000 |
| Deposit (25% — 75% LTV) | £50,000 |
| SDLT (additional property, 5% surcharge) | £11,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £64,499 |
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 | £200,000 | Loan (75% LTV) | £150,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £688 |
| Rent needed (1.5×) | £1,031/mo | Estimated rent | £1,412/mo |
| Stress ratio | 2.05× (need ≥ 1.5×) +£381 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 (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) | £222,000 |
| 75% remortgage | £166,500 |
| Cash left in deal | £40,750 (29% recycled) |
| Est. BTL cashflow | +£224/mo |
| Gross margin | +£22,000 |
| Reno cost (est.) | –£7,250 |
| Buy + sell costs | –£18,430 |
| Net profit | £-3,680 (-6.4% ROI) |
| SA gross/mo | £898 |
| SA net/mo | £640 |
| BTL est./mo | £1,412 |
| SA vs BTL uplift | £-514/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £215,378 | +£15,378 | £57,677 | +£7,677 (3.8%) |
| 5 years | £226,282 | +£26,282 | £65,800 | +£15,800 (7.9%) |
| 7 years | £237,737 | +£37,737 | £74,334 | +£24,334 (12.2%) |
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 | £16,940 | £206,000 | £11,752 | £4,252 | £10,252 | 15.6% |
| Yr 3 | £17,798 | £218,545 | £12,369 | £13,678 | £32,223 | 49.1% |
| Yr 5 | £18,699 | £231,855 | £13,018 | £24,385 | £56,240 | 85.7% |
| Yr 10 | £21,156 | £268,783 | £14,787 | £57,195 | £125,979 | 192.0% |
| Yr 15 | £23,936 | £311,593 | £16,789 | £99,537 | £211,131 | 321.8% |
| Yr 20 | £27,081 | £361,222 | £19,053 | £152,663 | £313,885 | 478.5% |
| Yr 25 | £30,640 | £418,756 | £21,616 | £217,990 | £436,746 | 665.8% |
| Yr 30 | £34,666 | £485,452 | £24,515 | £297,122 | £582,575 | 888.1% |
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)
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,200 | 7.2% | 4.5% | £-69 | -5.6% |
| Conservative | £1,313 | 7.9% | 5.3% | £195 | 4.5% |
| Base | £1,412 | 8.5% | 5.9% | £355 | 8.9% |
| Optimistic | £1,525 | 9.1% | 6.5% | £529 | 13.9% |
| Bull | £1,666 | 10.0% | 7.4% | £729 | 20.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.47% |
| Net Yield | ●5.88% |
| Net Annual Income | £11,755 |
| Deductions: void 8% (−£1,355) · mgmt 10% (−£1,694) · maint 10% (−£1,694) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£356 |
| Cash-on-Cash Return | ●6.49% |
| 5-Year IRR | ●8.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,858 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,200 | 7.2% | 4.5% | £-69 | -5.6% |
| Conservative | £1,313 | 7.9% | 5.3% | £195 | 4.5% |
| Base | £1,412 | 8.5% | 5.9% | £355 | 8.9% |
| Optimistic | £1,525 | 9.1% | 6.5% | £529 | 13.9% |
| Bull | £1,666 | 10.0% | 7.4% | £729 | 20.3% |
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