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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 10% below the area median — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £500 |
| Master Bedroom | £1,100 |
| Entrance Hall | £100 |
| Total Estimated Refurb | £2,900 |
⚠ 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
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- 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 | £16,940 | £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?
📄 Lease Information
Estimated remaining lease: 958 years.
📊 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% |
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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