Twickenham Close, Franklin House, SN3
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £145,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 506 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £452 |
| ICR (actual) | 2.15x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £145,000 |
| Deposit (25% — 75% LTV) | £36,250 |
| SDLT (additional property, 5% surcharge) | £7,650 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £46,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £145,000 | Loan (75% LTV) | £108,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £498 |
| Rent needed (1.5×) | £748/mo | Estimated rent | £973/mo |
| Stress ratio | 1.95× (need ≥ 1.5×) +£225 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 | £905 |
| SA net/mo | £646 |
| BTL est./mo | £973 |
| SA vs BTL uplift | £-68/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £156,149 | +£11,149 | £41,601 | +£5,351 (3.7%) |
| 5 years | £164,054 | +£19,054 | £47,490 | +£11,240 (7.8%) |
| 7 years | £172,359 | +£27,359 | £53,678 | +£17,428 (12.0%) |
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 SN3 4
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 17, DARLING CLOSE, SN3 4PB | Flat | 2 | £140,000 | £197 | 20/02/26 | 0.54 mi |
| 2, BAKERS COURT, SN3 4NU | Flat | 2 | £180,000 | £242 | 19/01/26 | 0.81 mi |
| 44, CARVER CLOSE, SN3 4GJ | Flat | 2 | £170,000 | £247 | 18/12/25 | 0.64 mi |
| 35, FITZWARREN COURT, KINGSDOWN ROAD, SN3 4TD | Flat | 2 | £143,000 | £193 | 28/11/25 | 2.08 mi |
| 7, ERMIN MEWS, SN3 4PP | Flat | 2 | £165,000 | £200 | 28/11/25 | 0.95 mi |
| 81, SANDGATE, SN3 4HH | Flat | 2 | £142,500 | £204 | 10/10/25 | 0.42 mi |
■ Above subject ■ Below subject
Based on 10 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 | £11,672 | £149,350 | £7,959 | £2,522 | £6,872 | 14.3% |
| Yr 3 | £12,263 | £158,445 | £8,385 | £8,201 | £21,646 | 45.1% |
| Yr 5 | £12,884 | £168,095 | £8,832 | £14,763 | £37,857 | 78.9% |
| Yr 10 | £14,577 | £194,868 | £10,051 | £35,330 | £85,198 | 177.5% |
| Yr 15 | £16,493 | £225,905 | £11,430 | £62,466 | £143,371 | 298.7% |
| Yr 20 | £18,660 | £261,886 | £12,990 | £97,032 | £213,919 | 445.7% |
| Yr 25 | £21,112 | £303,598 | £14,756 | £140,006 | £298,604 | 622.1% |
| Yr 30 | £23,887 | £351,953 | £16,753 | £192,492 | £399,445 | 832.2% |
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 — SN3 4 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £827 | 6.8% | 4.1% | £-89 | -7.2% |
| Conservative | £905 | 7.5% | 4.9% | £98 | 3.1% |
| Base | £973 | 8.1% | 5.5% | £210 | 7.6% |
| Optimistic | £1,051 | 8.7% | 6.1% | £333 | 12.7% |
| Bull | £1,148 | 9.5% | 6.9% | £473 | 19.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.05% |
| Net Yield | ●5.49% |
| Net Annual Income | £7,962 |
| Deductions: void 8% (−£934) · mgmt 10% (−£1,167) · maint 10% (−£1,167) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£212 |
| Cash-on-Cash Return | ●5.26% |
| 5-Year IRR | ●7.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £2,018 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £827 | 6.8% | 4.1% | £-89 | -7.2% |
| Conservative | £905 | 7.5% | 4.9% | £98 | 3.1% |
| Base | £973 | 8.1% | 5.5% | £210 | 7.6% |
| Optimistic | £1,051 | 8.7% | 6.1% | £333 | 12.7% |
| Bull | £1,148 | 9.5% | 6.9% | £473 | 19.1% |