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House · 3 bed
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Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £360,000
- Property Type
- House
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- 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 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Semi | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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: 118 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,123 |
| ICR (actual) | 1.47x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 105% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £360,000 |
| Deposit (25% — 75% LTV) | £90,000 |
| SDLT (additional property, 5% surcharge) | £26,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £118,999 |
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 | £360,000 | Loan (75% LTV) | £270,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,238 |
| Rent needed (1.5×) | £1,856/mo | Estimated rent | £1,650/mo |
| Stress ratio | 1.33× (need ≥ 1.5×) £206 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 |
| Cash left in deal | Unknown |
| SA gross/mo | £2,047 |
| SA net/mo | £1,651 |
| BTL est./mo | £1,650 |
| SA vs BTL uplift | +£397/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £387,681 | +£27,681 | £104,442 | +£14,442 (4.0%) |
| 5 years | £407,307 | +£47,307 | £119,064 | +£29,064 (8.1%) |
| 7 years | £427,927 | +£67,927 | £134,426 | +£44,426 (12.3%) |
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 | £19,800 | £370,800 | £13,811 | £311 | £11,111 | 9.3% |
| Yr 3 | £20,802 | £393,382 | £14,533 | £2,011 | £35,393 | 29.5% |
| Yr 5 | £21,855 | £417,339 | £15,291 | £5,209 | £62,548 | 52.1% |
| Yr 10 | £24,727 | £483,810 | £17,359 | £20,265 | £144,075 | 120.0% |
| Yr 15 | £27,977 | £560,868 | £19,698 | £46,463 | £247,331 | 205.9% |
| Yr 20 | £31,653 | £650,200 | £22,345 | £85,265 | £375,465 | 312.6% |
| Yr 25 | £35,813 | £753,760 | £25,340 | £138,328 | £532,088 | 443.0% |
| Yr 30 | £40,519 | £873,814 | £28,729 | £207,527 | £721,341 | 600.6% |
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 | £1,402 | 4.7% | 2.9% | £-588 | -13.5% |
| Conservative | £1,534 | 5.1% | 3.5% | £-200 | -2.3% |
| Base | £1,650 | 5.5% | 3.8% | £26 | 2.5% |
| Optimistic | £1,782 | 5.9% | 4.3% | £269 | 7.9% |
| Bull | £1,947 | 6.5% | 4.8% | £543 | 14.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.5% |
| Net Yield | ●3.84% |
| Net Annual Income | £13,811 |
| Deductions: void 8% (−£1,584) · mgmt 10% (−£1,980) · maint 10% (−£1,980) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,123 |
| Monthly Cashflow (IO) | ●£28 |
| Cash-on-Cash Return | ●0.26% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £26,000 |
| SDLT Effective Rate | 7.22% |
| SDLT (Company) | £26,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,700 |
| SPV Annual Saving | £3,558 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £417,339 |
| Less: Purchase Price | −£360,000 |
| Less: Buying Costs (SDLT + legal) | −£28,600 |
| Less: Selling Costs (est. 2.5%) | −£10,433 |
| = CGT Net Gain (5yr) | £18,306 |
| CGT at 24% | £3,673 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,402 | 4.7% | 2.9% | £-588 | -13.5% |
| Conservative | £1,534 | 5.1% | 3.5% | £-200 | -2.3% |
| Base | £1,650 | 5.5% | 3.8% | £26 | 2.5% |
| Optimistic | £1,782 | 5.9% | 4.3% | £269 | 7.9% |
| Bull | £1,947 | 6.5% | 4.8% | £543 | 14.8% |
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