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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 15% below the area median — 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: 7/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £2,000 |
| Living Room | £1,150 |
| Master Bedroom | £2,650 |
| Entrance Hall | £250 |
| Total Estimated Refurb | £7,250 |
⚠ 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
- £220,000
- 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 | £26,994 | £226,600 | £18,991 | £10,741 | £17,341 | 24.1% |
| Yr 3 | £28,361 | £240,400 | £19,975 | £33,692 | £54,092 | 75.1% |
| Yr 5 | £29,796 | £255,040 | £21,008 | £58,685 | £93,726 | 130.2% |
| Yr 10 | £33,712 | £295,662 | £23,828 | £130,795 | £206,457 | 286.7% |
| Yr 15 | £38,142 | £342,753 | £27,017 | £218,094 | £340,847 | 473.4% |
| Yr 20 | £43,154 | £397,344 | £30,626 | £322,578 | £499,922 | 694.3% |
| Yr 25 | £48,825 | £460,631 | £34,709 | £446,504 | £687,136 | 954.4% |
| Yr 30 | £55,241 | £533,998 | £39,328 | £592,429 | £906,427 | 1258.9% |
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?
📄 Lease Information
Estimated remaining lease: 91 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,912 | 10.4% | 6.6% | £312 | 4.4% |
| Conservative | £2,092 | 11.4% | 7.8% | £671 | 13.1% |
| Base | £2,250 | 12.3% | 8.6% | £895 | 17.0% |
| Optimistic | £2,430 | 13.3% | 9.6% | £1,142 | 21.5% |
| Bull | £2,655 | 14.5% | 10.8% | £1,431 | 27.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.27% |
| Net Yield | ●8.63% |
| Net Annual Income | £18,995 |
| Deductions: void 8% (−£2,160) · mgmt 10% (−£2,699) · maint 10% (−£2,699) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£897 |
| Cash-on-Cash Return | ●14.92% |
| 5-Year IRR | ●17.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £4,304 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,912 | 10.4% | 6.6% | £312 | 4.4% |
| Conservative | £2,092 | 11.4% | 7.8% | £671 | 13.1% |
| Base | £2,250 | 12.3% | 8.6% | £895 | 17.0% |
| Optimistic | £2,430 | 13.3% | 9.6% | £1,142 | 21.5% |
| Bull | £2,655 | 14.5% | 10.8% | £1,431 | 27.3% |
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