Campbell Close, Streatham
Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 21.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £280,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 610 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 117 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £873 |
| ICR (actual) | 2.68x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £280,000 |
| Deposit (25% — 75% LTV) | £70,000 |
| SDLT (additional property, 5% surcharge) | £18,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £90,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £280,000 | Loan (75% LTV) | £210,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £962 |
| Rent needed (1.5×) | £1,444/mo | Estimated rent | £2,338/mo |
| Stress ratio | 2.43× (need ≥ 1.5×) +£894 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 | £2,234 |
| SA net/mo | £1,816 |
| BTL est./mo | £2,338 |
| SA vs BTL uplift | £-104/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £301,529 | +£21,529 | £81,059 | +£11,059 (3.9%) |
| 5 years | £316,794 | +£36,794 | £92,432 | +£22,432 (8.0%) |
| 7 years | £332,832 | +£52,832 | £104,380 | +£34,380 (12.3%) |
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 SW16 2
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| FLAT 1, 20, LEIGHAM COURT ROAD, SW16 2PL | Flat | 2 | £405,000 | £495 | 06/03/26 | 0.67 mi |
| FLAT 22, GLYN COURT, 199, LEIGHAM COURT ROAD, SW16 2SF | Flat | 2 | £331,000 | £480 | 06/03/26 | 0.86 mi |
| FLAT C, 23, STOCKFIELD ROAD, SW16 2LU | Flat | 2 | £340,000 | £479 | 23/02/26 | 0.93 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 | £28,056 | £288,400 | £19,755 | £9,255 | £17,655 | 19.2% |
| Yr 3 | £29,476 | £305,964 | £20,778 | £29,294 | £55,257 | 60.0% |
| Yr 5 | £30,969 | £324,597 | £21,852 | £51,455 | £96,051 | 104.3% |
| Yr 10 | £35,038 | £376,297 | £24,782 | £116,862 | £213,158 | 231.4% |
| Yr 15 | £39,642 | £436,231 | £28,098 | £198,056 | £354,287 | 384.7% |
| Yr 20 | £44,852 | £505,711 | £31,848 | £297,110 | £522,821 | 567.7% |
| Yr 25 | £50,746 | £586,258 | £36,092 | £416,373 | £722,631 | 784.6% |
| Yr 30 | £57,414 | £679,633 | £40,893 | £558,499 | £958,132 | 1040.3% |
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 — SW16 2 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,987 | 8.5% | 5.4% | £117 | -1.4% |
| Conservative | £2,174 | 9.3% | 6.4% | £522 | 8.0% |
| Base | £2,338 | 10.0% | 7.1% | £771 | 12.2% |
| Optimistic | £2,525 | 10.8% | 7.8% | £1,044 | 17.0% |
| Bull | £2,759 | 11.8% | 8.8% | £1,360 | 23.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.02% |
| Net Yield | ●7.06% |
| Net Annual Income | £19,755 |
| Deductions: void 8% (−£2,244) · mgmt 10% (−£2,806) · maint 10% (−£2,806) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £873 |
| Monthly Cashflow (IO) | ●£773 |
| Cash-on-Cash Return | ●10.05% |
| 5-Year IRR | ●12.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £4,564 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,987 | 8.5% | 5.4% | £117 | -1.4% |
| Conservative | £2,174 | 9.3% | 6.4% | £522 | 8.0% |
| Base | £2,338 | 10.0% | 7.1% | £771 | 12.2% |
| Optimistic | £2,525 | 10.8% | 7.8% | £1,044 | 17.0% |
| Bull | £2,759 | 11.8% | 8.8% | £1,360 | 23.1% |