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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 25% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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.
Property Details
- Asking Price
- £410,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 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.
Location
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,279 |
| ICR (actual) | 1.47x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 105% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £410,000 |
| Deposit (25% — 75% LTV) | £102,500 |
| SDLT (additional property, 5% surcharge) | £31,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £136,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £410,000 | Loan (75% LTV) | £307,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,409 |
| Rent needed (1.5×) | £2,114/mo | Estimated rent | £1,880/mo |
| Stress ratio | 1.33× (need ≥ 1.5×) £234 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 (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £510,000 |
| 75% remortgage | £382,500 |
| Cash left in deal | £44,900 (63% recycled) |
| Est. BTL cashflow | £-372/mo |
| Gross margin | +£100,000 |
| Reno cost (est.) | –£17,400 |
| Buy + sell costs | –£42,250 |
| Net profit | +£40,350 (33.7% ROI) |
| SA gross/mo | £807 |
| SA net/mo | £560 |
| BTL est./mo | £1,879 |
| SA vs BTL uplift | £-1,072/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £441,525 | +£31,525 | £119,056 | +£16,556 (4.0%) |
| 5 years | £463,877 | +£53,877 | £135,709 | +£33,209 (8.1%) |
| 7 years | £487,361 | +£77,361 | £153,204 | +£50,704 (12.4%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 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 | £22,550 | £422,300 | £15,791 | £416 | £12,716 | 9.2% |
| Yr 3 | £23,692 | £448,018 | £16,613 | £2,476 | £40,494 | 29.4% |
| Yr 5 | £24,891 | £475,302 | £17,477 | £6,242 | £71,544 | 52.0% |
| Yr 10 | £28,162 | £551,006 | £19,832 | £23,698 | £164,704 | 119.7% |
| Yr 15 | £31,863 | £638,767 | £22,496 | £53,843 | £282,609 | 205.4% |
| Yr 20 | £36,050 | £740,506 | £25,511 | £98,343 | £428,849 | 311.7% |
| Yr 25 | £40,787 | £858,449 | £28,921 | £159,085 | £607,534 | 441.5% |
| Yr 30 | £46,146 | £995,178 | £32,780 | £238,204 | £823,382 | 598.4% |
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 | £1,598 | 4.7% | 2.9% | £-664 | -13.6% |
| Conservative | £1,748 | 5.1% | 3.5% | £-223 | -2.4% |
| Base | £1,880 | 5.5% | 3.9% | £35 | 2.4% |
| Optimistic | £2,030 | 5.9% | 4.3% | £312 | 7.8% |
| Bull | £2,218 | 6.5% | 4.8% | £624 | 14.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.5% |
| Net Yield | ●3.85% |
| Net Annual Income | £15,798 |
| Deductions: void 8% (−£1,804) · mgmt 10% (−£2,255) · maint 10% (−£2,255) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,279 |
| Monthly Cashflow (IO) | ●£38 |
| Cash-on-Cash Return | ●0.31% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £31,000 |
| SDLT Effective Rate | 7.56% |
| SDLT (Company) | £31,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,075 |
| SPV Annual Saving | £4,038 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £475,302 |
| Less: Purchase Price | −£410,000 |
| Less: Buying Costs (SDLT + legal) | −£33,600 |
| Less: Selling Costs (est. 2.5%) | −£11,883 |
| = CGT Net Gain (5yr) | £19,819 |
| CGT at 24% | £4,037 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,598 | 4.7% | 2.9% | £-664 | -13.6% |
| Conservative | £1,748 | 5.1% | 3.5% | £-223 | -2.4% |
| Base | £1,880 | 5.5% | 3.9% | £35 | 2.4% |
| Optimistic | £2,030 | 5.9% | 4.3% | £312 | 7.8% |
| Bull | £2,218 | 6.5% | 4.8% | £624 | 14.7% |