Inigo Jones Road, Charlton
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 39.2% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £400,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 1162 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,248 |
| ICR (actual) | 1.51x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 108% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £400,000 |
| Deposit (25% — 75% LTV) | £100,000 |
| SDLT (additional property, 5% surcharge) | £30,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £132,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £400,000 | Loan (75% LTV) | £300,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,375 |
| Rent needed (1.5×) | £2,062/mo | Estimated rent | £1,882/mo |
| Stress ratio | 1.37× (need ≥ 1.5×) £180 shortfall | ||
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 | £1,530 |
| SA net/mo | £1,196 |
| BTL est./mo | £1,883 |
| SA vs BTL uplift | £-353/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £430,756 | +£30,756 | £116,133 | +£16,133 (4.0%) |
| 5 years | £452,563 | +£52,563 | £132,380 | +£32,380 (8.1%) |
| 7 years | £475,474 | +£75,474 | £149,448 | +£49,448 (12.4%) |
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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📈 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.
🌎 Area Profile — SE7 7 ⓘ 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% |
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% |