Arden Crescent, Dagenham, RM9
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £220,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 514 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £686 |
| ICR (actual) | 1.99x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 142% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £220,000 |
| Deposit (25% — 75% LTV) | £55,000 |
| SDLT (additional property, 5% surcharge) | £12,900 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £70,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £220,000 | Loan (75% LTV) | £165,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £756 |
| Rent needed (1.5×) | £1,134/mo | Estimated rent | £1,367/mo |
| Stress ratio | 1.81× (need ≥ 1.5×) +£233 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 (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £671 |
| SA net/mo | £440 |
| BTL est./mo | £1,368 |
| SA vs BTL uplift | £-697/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £236,916 | +£16,916 | £63,522 | +£8,522 (3.9%) |
| 5 years | £248,910 | +£28,910 | £72,458 | +£17,458 (7.9%) |
| 7 years | £261,511 | +£41,511 | £81,846 | +£26,846 (12.2%) |
Projections: 2.5% pa HPI, 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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Location
Comparable Sales in RM9 6
🔍 Filtered to 1-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| FLAT 11, CASTLE COURT, GORESBROOK ROAD, RM9 6XG | Flat | 1 | £250,000 | £409 | 30/01/26 | 0.36 mi |
| 47, DARCY GARDENS, RM9 6BS | Flat | 1 | £205,000 | £405 | 26/09/25 | 0.75 mi |
| 80, TILNEY ROAD, RM9 6HP | Flat | 1 | £226,900 | £430 | 22/09/25 | 0.69 mi |
| 11, TALLOW CLOSE, RM9 6EF | Flat | 1 | £267,000 | £420 | 31/07/25 | 0.17 mi |
| 11, TALLOW CLOSE, RM9 6EF | Flat | 1 | £267,000 | £420 | 31/07/25 | 0.17 mi |
| 10, WALLERS CLOSE, RM9 6YF | Flat | 1 | £190,000 | £431 | 20/06/25 | 0.56 mi |
| 53, TALLOW CLOSE, RM9 6EF | Flat | 1 | £227,500 | £358 | 11/04/25 | 0.17 mi |
■ Above subject ■ Below subject
Based on 7 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.
📈 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 | £16,412 | £226,600 | £11,372 | £3,122 | £9,722 | 13.5% |
| Yr 3 | £17,243 | £240,400 | £11,970 | £10,259 | £30,658 | 42.6% |
| Yr 5 | £18,116 | £255,040 | £12,598 | £18,637 | £53,677 | 74.6% |
| Yr 10 | £20,496 | £295,662 | £14,312 | £45,436 | £121,098 | 168.2% |
| Yr 15 | £23,190 | £342,753 | £16,252 | £81,470 | £204,223 | 283.6% |
| Yr 20 | £26,237 | £397,344 | £18,446 | £127,952 | £305,296 | 424.0% |
| Yr 25 | £29,685 | £460,631 | £20,928 | £186,255 | £426,886 | 592.9% |
| Yr 30 | £33,586 | £533,998 | £23,737 | £257,932 | £571,930 | 794.3% |
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)
🌎 Area Profile — RM9 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,162 | 6.3% | 3.9% | £-176 | -8.2% |
| Conservative | £1,271 | 6.9% | 4.7% | £97 | 2.3% |
| Base | £1,367 | 7.5% | 5.2% | £260 | 6.8% |
| Optimistic | £1,476 | 8.1% | 5.8% | £437 | 12.0% |
| Bull | £1,613 | 8.8% | 6.5% | £639 | 18.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.46% |
| Net Yield | ●5.17% |
| Net Annual Income | £11,366 |
| Deductions: void 8% (−£1,313) · mgmt 10% (−£1,641) · maint 10% (−£1,641) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£261 |
| Cash-on-Cash Return | ●4.33% |
| 5-Year IRR | ●6.8% |
● 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 | £2,820 |
| 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 | £1,162 | 6.3% | 3.9% | £-176 | -8.2% |
| Conservative | £1,271 | 6.9% | 4.7% | £97 | 2.3% |
| Base | £1,367 | 7.5% | 5.2% | £260 | 6.8% |
| Optimistic | £1,476 | 8.1% | 5.8% | £437 | 12.0% |
| Bull | £1,613 | 8.8% | 6.5% | £639 | 18.6% |