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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 39% above the area median. Offers anchored to area median of £381,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 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 | 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
- £530,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £31,217 | £545,900 | £22,031 | £2,156 | £18,056 | 10.1% |
| Yr 3 | £32,797 | £579,145 | £23,169 | £8,168 | £57,314 | 31.9% |
| Yr 5 | £34,458 | £614,415 | £24,365 | £16,543 | £100,958 | 56.2% |
| Yr 10 | £38,986 | £712,276 | £27,625 | £48,610 | £230,886 | 128.6% |
| Yr 15 | £44,109 | £825,723 | £31,313 | £98,242 | £393,965 | 219.4% |
| Yr 20 | £49,905 | £957,239 | £35,487 | £167,748 | £594,987 | 331.3% |
| Yr 25 | £56,463 | £1,109,702 | £40,208 | £259,738 | £839,440 | 467.4% |
| Yr 30 | £63,883 | £1,286,449 | £45,551 | £377,168 | £1,133,617 | 631.2% |
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: 241 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,210 | 5.0% | 3.2% | £-754 | -12.6% |
| Conservative | £2,418 | 5.5% | 3.7% | £-166 | -1.7% |
| Base | £2,600 | 5.9% | 4.2% | £179 | 3.1% |
| Optimistic | £2,808 | 6.4% | 4.6% | £550 | 8.4% |
| Bull | £3,068 | 6.9% | 5.2% | £970 | 15.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.89% |
| Net Yield | ●4.15% |
| Net Annual Income | £22,019 |
| Deductions: void 8% (−£2,497) · mgmt 10% (−£3,122) · maint 10% (−£3,122) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,653 |
| Monthly Cashflow (IO) | ●£182 |
| Cash-on-Cash Return | ●1.19% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £43,000 |
| SDLT Effective Rate | 8.11% |
| SDLT (Company) | £79,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,975 |
| SPV Annual Saving | £5,473 |
| SPV Breakeven | 6.7 yrs |
| CGT Projected Sale (5yr) | £614,415 |
| Less: Purchase Price | −£530,000 |
| Less: Buying Costs (SDLT + legal) | −£45,600 |
| Less: Selling Costs (est. 2.5%) | −£15,360 |
| = CGT Net Gain (5yr) | £23,455 |
| CGT at 24% | £4,909 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,210 | 5.0% | 3.2% | £-754 | -12.6% |
| Conservative | £2,418 | 5.5% | 3.7% | £-166 | -1.7% |
| Base | £2,600 | 5.9% | 4.2% | £179 | 3.1% |
| Optimistic | £2,808 | 6.4% | 4.6% | £550 | 8.4% |
| Bull | £3,068 | 6.9% | 5.2% | £970 | 15.2% |
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