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Semi-Detached · 3 bed
Supports major UK property portals
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 in Rochester, Kent: City Way Construction | 07979 510371 | — |
| decorator | WR Decorating: Painters and Decorators Medway | Decorating ... | +44-1634-510-221 | — |
| photographer | Medway Wedding Photographer - Moment Photography | 0220908-1916 | — |
Property Details
- Asking Price
- £365,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 2-4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 4 | — | — | — | — |
| Sector sale 2 | Semi | 3 | — | — | — | — |
| Sector sale 3 | Semi | 4 | — | — | — | — |
| Sector sale 4 | Semi | 4 | — | — | — | — |
| Sector sale 5 | Semi | 4 | — | — | — | — |
| Sector sale 6 | Semi | 3 | — | — | — | — |
| Sector sale 7 | Semi | 4 | — | — | — | — |
| Sector sale 8 | Semi | 4 | — | — | — | — |
■ 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 estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 152 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,138 |
| ICR (actual) | 1.18x |
| Feasibility | REFER |
| Notes: Rental coverage 84% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £365,000 |
| Deposit (25% — 75% LTV) | £91,250 |
| SDLT (additional property, 5% surcharge) | £26,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £120,749 |
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 | £365,000 | Loan (75% LTV) | £273,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,255 |
| Rent needed (1.5×) | £1,882/mo | Estimated rent | £1,341/mo |
| Stress ratio | 1.07× (need ≥ 1.5×) £541 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 | £1,170 |
| SA net/mo | £880 |
| BTL est./mo | £1,341 |
| SA vs BTL uplift | £-171/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £393,065 | +£28,065 | £105,903 | +£14,653 (4.0%) |
| 5 years | £412,964 | +£47,964 | £120,728 | +£29,478 (8.1%) |
| 7 years | £433,870 | +£68,870 | £136,303 | +£45,053 (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.
Finance This Investment
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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 | £16,096 | £375,950 | £11,144 | £-2,543 | £8,407 | 6.9% |
| Yr 3 | £16,911 | £398,845 | £11,731 | £-6,753 | £27,093 | 22.2% |
| Yr 5 | £17,768 | £423,135 | £12,348 | £-9,744 | £48,391 | 39.7% |
| Yr 10 | £20,102 | £490,529 | £14,029 | £-11,484 | £114,046 | 93.6% |
| Yr 15 | £22,744 | £568,658 | £15,931 | £-4,166 | £199,492 | 163.7% |
| Yr 20 | £25,733 | £659,231 | £18,083 | £13,399 | £307,630 | 252.5% |
| Yr 25 | £29,114 | £764,229 | £20,517 | £42,558 | £441,787 | 362.6% |
| Yr 30 | £32,940 | £885,951 | £23,272 | £84,835 | £605,785 | 497.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,140 | 3.7% | 2.3% | £-779 | -16.5% |
| Conservative | £1,247 | 4.1% | 2.7% | £-419 | -4.7% |
| Base | £1,341 | 4.4% | 3.1% | £-212 | 0.2% |
| Optimistic | £1,448 | 4.8% | 3.4% | £8 | 5.9% |
| Bull | £1,582 | 5.2% | 3.8% | £253 | 12.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.41% |
| Net Yield | ●3.05% |
| Net Annual Income | £11,141 |
| Deductions: void 8% (−£1,288) · mgmt 10% (−£1,610) · maint 10% (−£1,610) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,138 |
| Monthly Cashflow (IO) | ●£-210 |
| Cash-on-Cash Return | ●-2.09% |
| 5-Year IRR | ●0.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £26,500 |
| SDLT Effective Rate | 7.26% |
| SDLT (Company) | £26,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,412 |
| SPV Annual Saving | £2,412 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £423,135 |
| Less: Purchase Price | −£365,000 |
| Less: Buying Costs (SDLT + legal) | −£29,100 |
| Less: Selling Costs (est. 2.5%) | −£10,578 |
| = CGT Net Gain (5yr) | £18,457 |
| CGT at 24% | £3,710 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,140 | 3.7% | 2.3% | £-779 | -16.5% |
| Conservative | £1,247 | 4.1% | 2.7% | £-419 | -4.7% |
| Base | £1,341 | 4.4% | 3.1% | £-212 | 0.2% |
| Optimistic | £1,448 | 4.8% | 3.4% | £8 | 5.9% |
| Bull | £1,582 | 5.2% | 3.8% | £253 | 12.9% |
Run the numbers on this deal
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