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Maisonette · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 12% above the area median. Offers anchored to area median of £354,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · 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 | Painters & Decorators in London | Award-Winning | Novitas | 07825881762 | — |
| photographer | Piranha Photography: Corporate Photographer London | 020 7193 9446 | — |
Property Details
- Asking Price
- £400,000
- Property Type
- Maisonette
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £22,600 | £412,000 | £15,827 | £827 | £12,827 | 9.6% |
| Yr 3 | £23,744 | £437,091 | £16,651 | £3,712 | £40,802 | 30.4% |
| Yr 5 | £24,946 | £463,710 | £17,516 | £8,306 | £72,016 | 53.7% |
| Yr 10 | £28,224 | £537,567 | £19,876 | £27,851 | £165,418 | 123.4% |
| Yr 15 | £31,933 | £623,187 | £22,547 | £60,113 | £283,300 | 211.3% |
| Yr 20 | £36,129 | £722,444 | £25,568 | £106,763 | £429,207 | 320.1% |
| Yr 25 | £40,877 | £837,511 | £28,987 | £169,690 | £607,201 | 452.8% |
| Yr 30 | £46,249 | £970,905 | £32,854 | £251,035 | £821,940 | 612.9% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,600 | 4.8% | 3.0% | £-622 | -13.2% |
| Conservative | £1,750 | 5.3% | 3.6% | £-187 | -2.0% |
| Base | £1,882 | 5.6% | 4.0% | £68 | 2.7% |
| Optimistic | £2,033 | 6.1% | 4.4% | £342 | 8.1% |
| Bull | £2,221 | 6.7% | 5.0% | £651 | 14.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.65% |
| Net Yield | ●3.95% |
| Net Annual Income | £15,815 |
| Deductions: void 8% (−£1,808) · mgmt 10% (−£2,260) · maint 10% (−£2,260) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£70 |
| Cash-on-Cash Return | ●0.61% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £4,023 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,600 | 4.8% | 3.0% | £-622 | -13.2% |
| Conservative | £1,750 | 5.3% | 3.6% | £-187 | -2.0% |
| Base | £1,882 | 5.6% | 4.0% | £68 | 2.7% |
| Optimistic | £2,033 | 6.1% | 4.4% | £342 | 8.1% |
| Bull | £2,221 | 6.7% | 5.0% | £651 | 14.9% |
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