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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 21% above the area median. Offers anchored to area median of £289,000. 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 East London: Your First Call for General Builders ... | 0203 305 7656 | — |
| decorator | Expert Residential & Commercial Painting Services in London | 07712680424 | — |
| photographer | Vistolia Photography Hackney | 07709 654594 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 400–500 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £19,390 | £360,500 | £13,516 | £391 | £10,891 | 9.3% |
| Yr 3 | £20,372 | £382,454 | £14,223 | £2,228 | £34,683 | 29.7% |
| Yr 5 | £21,403 | £405,746 | £14,965 | £5,533 | £61,278 | 52.6% |
| Yr 10 | £24,215 | £470,371 | £16,990 | £20,708 | £141,079 | 121.0% |
| Yr 15 | £27,398 | £545,289 | £19,281 | £46,794 | £242,083 | 207.6% |
| Yr 20 | £30,998 | £632,139 | £21,873 | £85,224 | £367,363 | 315.1% |
| Yr 25 | £35,071 | £732,822 | £24,806 | £137,620 | £520,442 | 446.3% |
| Yr 30 | £39,680 | £849,542 | £28,124 | £205,817 | £705,359 | 604.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — Greater London ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 164 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,374 | 4.7% | 2.9% | £-566 | -13.4% |
| Conservative | £1,503 | 5.2% | 3.5% | £-188 | -2.2% |
| Base | £1,616 | 5.5% | 3.9% | £33 | 2.6% |
| Optimistic | £1,745 | 6.0% | 4.3% | £270 | 8.0% |
| Bull | £1,907 | 6.5% | 4.8% | £537 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.54% |
| Net Yield | ●3.86% |
| Net Annual Income | £13,517 |
| Deductions: void 8% (−£1,551) · mgmt 10% (−£1,939) · maint 10% (−£1,939) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£34 |
| Cash-on-Cash Return | ●0.34% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,482 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,374 | 4.7% | 2.9% | £-566 | -13.4% |
| Conservative | £1,503 | 5.2% | 3.5% | £-188 | -2.2% |
| Base | £1,616 | 5.5% | 3.9% | £33 | 2.6% |
| Optimistic | £1,745 | 6.0% | 4.3% | £270 | 8.0% |
| Bull | £1,907 | 6.5% | 4.8% | £537 | 14.9% |
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