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Ground Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 20% 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: 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 | 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
- £200,000
- Property Type
- Ground Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 500–600 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 | £16,480 | £206,000 | £11,421 | £3,921 | £9,921 | 15.1% |
| Yr 3 | £17,314 | £218,545 | £12,021 | £12,659 | £31,205 | 47.6% |
| Yr 5 | £18,191 | £231,855 | £12,652 | £22,644 | £54,499 | 83.1% |
| Yr 10 | £20,581 | £268,783 | £14,374 | £53,485 | £122,268 | 186.4% |
| Yr 15 | £23,286 | £311,593 | £16,321 | £93,598 | £205,192 | 312.8% |
| Yr 20 | £26,346 | £361,222 | £18,524 | £144,203 | £305,425 | 465.6% |
| Yr 25 | £29,808 | £418,756 | £21,017 | £206,677 | £425,433 | 648.5% |
| Yr 30 | £33,725 | £485,452 | £23,837 | £282,582 | £568,034 | 865.9% |
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: 961 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,167 | 7.0% | 4.3% | £-91 | -6.2% |
| Conservative | £1,277 | 7.7% | 5.1% | £169 | 3.9% |
| Base | £1,373 | 8.2% | 5.7% | £326 | 8.4% |
| Optimistic | £1,483 | 8.9% | 6.4% | £498 | 13.4% |
| Bull | £1,620 | 9.7% | 7.2% | £694 | 19.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.24% |
| Net Yield | ●5.71% |
| Net Annual Income | £11,418 |
| Deductions: void 8% (−£1,318) · mgmt 10% (−£1,648) · maint 10% (−£1,648) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£328 |
| Cash-on-Cash Return | ●5.97% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,792 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,167 | 7.0% | 4.3% | £-91 | -6.2% |
| Conservative | £1,277 | 7.7% | 5.1% | £169 | 3.9% |
| Base | £1,373 | 8.2% | 5.7% | £326 | 8.4% |
| Optimistic | £1,483 | 8.9% | 6.4% | £498 | 13.4% |
| Bull | £1,620 | 9.7% | 7.2% | £694 | 19.9% |
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