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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 16% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £2,750 |
| Bedroom 2 | £2,750 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | Home Builder London Ltd: Building & Renovation Services | 07473 463936 | — |
| decorator | Painting and Decorating London - David Banks & Company | 020 7385 9759 | — |
| photographer | London vacation photographer | 07879 455 932 | — |
Property Details
- Asking Price
- £375,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 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 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 2 | — | — | — | — |
| Sector sale 2 | Terraced | 2 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 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
Standard — 3/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,170 |
| ICR (actual) | 1.92x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 137% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £375,000 |
| Deposit (25% — 75% LTV) | £93,750 |
| SDLT (additional property, 5% surcharge) | £27,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £124,249 |
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 | £375,000 | Loan (75% LTV) | £281,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,289 |
| Rent needed (1.5×) | £1,934/mo | Estimated rent | £2,250/mo |
| Stress ratio | 1.75× (need ≥ 1.5×) +£316 surplus | ||
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 |
| GDV (comp median) | £438,000 |
| 75% remortgage | £328,500 |
| Cash left in deal | £63,900 (43% recycled) |
| Est. BTL cashflow | +£94/mo |
| Gross margin | +£63,000 |
| Reno cost (est.) | –£17,400 |
| Buy + sell costs | –£37,670 |
| Net profit | +£7,930 (7.1% ROI) |
| SA gross/mo | £1,843 |
| SA net/mo | £1,472 |
| BTL est./mo | £2,250 |
| SA vs BTL uplift | £-407/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £403,834 | +£28,834 | £108,826 | +£15,076 (4.0%) |
| 5 years | £424,278 | +£49,278 | £124,057 | +£30,307 (8.1%) |
| 7 years | £445,757 | +£70,757 | £140,059 | +£46,309 (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 | £27,000 | £386,250 | £18,995 | £4,932 | £16,182 | 12.9% |
| Yr 3 | £28,367 | £409,773 | £19,979 | £16,268 | £51,040 | 40.7% |
| Yr 5 | £29,803 | £434,728 | £21,013 | £29,646 | £89,373 | 71.3% |
| Yr 10 | £33,719 | £503,969 | £23,833 | £72,719 | £201,687 | 160.9% |
| Yr 15 | £38,150 | £584,238 | £27,023 | £130,984 | £340,222 | 271.4% |
| Yr 20 | £43,164 | £677,292 | £30,633 | £206,438 | £508,730 | 405.8% |
| Yr 25 | £48,836 | £785,167 | £34,717 | £301,339 | £711,506 | 567.6% |
| Yr 30 | £55,253 | £910,223 | £39,337 | £418,244 | £953,467 | 760.6% |
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 | £1,912 | 6.1% | 3.9% | £-317 | -9.0% |
| Conservative | £2,092 | 6.7% | 4.6% | £139 | 1.4% |
| Base | £2,250 | 7.2% | 5.1% | £411 | 6.0% |
| Optimistic | £2,430 | 7.8% | 5.6% | £706 | 11.2% |
| Bull | £2,655 | 8.5% | 6.3% | £1,043 | 17.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.2% |
| Net Yield | ●5.07% |
| Net Annual Income | £18,995 |
| Deductions: void 8% (−£2,160) · mgmt 10% (−£2,700) · maint 10% (−£2,700) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£413 |
| Cash-on-Cash Return | ●3.93% |
| 5-Year IRR | ●6.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,812 |
| SPV Annual Saving | £4,595 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,912 | 6.1% | 3.9% | £-317 | -9.0% |
| Conservative | £2,092 | 6.7% | 4.6% | £139 | 1.4% |
| Base | £2,250 | 7.2% | 5.1% | £411 | 6.0% |
| Optimistic | £2,430 | 7.8% | 5.6% | £706 | 11.2% |
| Bull | £2,655 | 8.5% | 6.3% | £1,043 | 17.7% |
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