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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 13% below the area median — some negotiation possible but limited margin.
🔨 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
- £180,000
- 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
All yield, cashflow, SDLT, CGT and mortgage figures on this page are calculated on the estimated effective purchase cost — not the guide price shown above.
| Guide price | £180,000 |
| Estimated hammer (mid) | £216,000 (guide × 1.20 — typical range is +10–35%) |
| Buyer’s premium (4% + VAT = 4.8%) | £10,368 |
| Legal fees (est.) | £1,500 |
| Effective purchase cost | £227,868 (+26.6% vs guide) |
Guide prices can change before auction day. Always verify the reserve price and obtain legal pack before bidding.
📈 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 | £14,220 | £185,400 | £9,793 | £3,043 | £8,443 | 14.3% |
| Yr 3 | £14,940 | £196,691 | £10,312 | £9,904 | £26,595 | 44.9% |
| Yr 5 | £15,696 | £208,669 | £10,856 | £17,841 | £46,511 | 78.6% |
| Yr 10 | £17,759 | £241,905 | £12,341 | £42,755 | £104,660 | 176.8% |
| Yr 15 | £20,092 | £280,434 | £14,022 | £75,669 | £176,103 | 297.5% |
| Yr 20 | £22,733 | £325,100 | £15,923 | £117,636 | £262,736 | 443.8% |
| Yr 25 | £25,720 | £376,880 | £18,073 | £169,846 | £366,726 | 619.5% |
| Yr 30 | £29,100 | £436,907 | £20,507 | £233,643 | £490,551 | 828.6% |
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)
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,275 | 6.7% | 4.2% | £-134 | -7.0% |
| Conservative | £1,395 | 7.3% | 4.9% | £156 | 3.3% |
| Base | £1,500 | 7.9% | 5.5% | £331 | 7.8% |
| Optimistic | £1,620 | 8.5% | 6.1% | £521 | 12.9% |
| Bull | £1,770 | 9.3% | 6.9% | £738 | 19.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.9% |
| Net Yield | ●5.49% |
| Net Annual Income | £12,515 |
| Deductions: void 8% (−£1,138) · mgmt 10% (−£1,422) · maint 10% (−£1,422) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £711 |
| Monthly Cashflow (IO) | ●£332 |
| Cash-on-Cash Return | ●5.33% |
| 5-Year IRR | ●7.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,451 |
| SDLT Effective Rate | 5.9% |
| SDLT (Company) | £13,451 |
| Section 24 Extra Tax/yr (higher rate) | £1,709 |
| SPV Annual Saving | £3,059 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £264,161 |
| Less: Purchase Price | −£227,868 |
| Less: Buying Costs (SDLT + legal) | −£16,051 |
| Less: Selling Costs (est. 2.5%) | −£6,604 |
| = CGT Net Gain (5yr) | £13,638 |
| CGT at 24% | £2,553 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,275 | 6.7% | 4.2% | £-134 | -7.0% |
| Conservative | £1,395 | 7.3% | 4.9% | £156 | 3.3% |
| Base | £1,500 | 7.9% | 5.5% | £331 | 7.8% |
| Optimistic | £1,620 | 8.5% | 6.1% | £521 | 12.9% |
| Bull | £1,770 | 9.3% | 6.9% | £738 | 19.4% |
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