Brayburne Avenue, Clapham
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 37.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £1,000,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Active — 7/10Behavioural signals: 100 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £3,119 |
| ICR (actual) | 1.22x |
| Feasibility | REFER |
| Notes: Rental coverage 87% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £1,000,000 |
| Deposit (25% — 75% LTV) | £250,000 |
| SDLT (additional property, 5% surcharge) | £93,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £346,749 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £1,000,000 | Loan (75% LTV) | £750,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £3,438 |
| Rent needed (1.5×) | £5,156/mo | Estimated rent | £3,807/mo |
| Stress ratio | 1.11× (need ≥ 1.5×) £1349 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 | £1,078 |
| SA net/mo | £799 |
| BTL est./mo | £3,808 |
| SA vs BTL uplift | £-2,730/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £1,076,891 | +£76,891 | £291,504 | +£41,504 (4.2%) |
| 5 years | £1,131,408 | +£131,408 | £332,119 | +£82,119 (8.2%) |
| 7 years | £1,188,686 | +£188,686 | £374,791 | +£124,791 (12.5%) |
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 SW4 9
⚠️ Only 2 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 56, CAUTLEY AVENUE, SW4 9HU | Terraced | 5 | £1,390,000 | £730 | 06/02/26 | 1.06 mi |
| 67, NARBONNE AVENUE, SW4 9JP | Terraced | 5 | £1,580,000 | £769 | 16/01/26 | 1.01 mi |
| 52, LYNETTE AVENUE, SW4 9HD | Terraced | 4 | £1,550,000 | £1036 | 19/12/25 | 1.13 mi |
| 81, ABBEVILLE ROAD, SW4 9JL | Terraced | 5 | £1,875,000 | £854 | 16/12/25 | 0.91 mi |
| 26, FRANCONIA ROAD, SW4 9ND | Terraced | 5 | £1,660,000 | £745 | 31/10/25 | 0.99 mi |
| 73A, HAMBALT ROAD, SW4 9EQ | Terraced | 3 | £875,000 | £884 | 24/10/25 | 0.96 mi |
| 90, PARK HILL, SW4 9PB | Terraced | 5 | £1,280,000 | £695 | 26/09/25 | 0.90 mi |
| 147, HAMBALT ROAD, SW4 9EL | Terraced | 5 | £1,750,000 | £898 | 15/09/25 | 1.06 mi |
| 76, CRESCENT LANE, SW4 9PL | Terraced | 5 | £2,205,692 | £865 | 04/09/25 | 0.99 mi |
| 6, CALDERVALE ROAD, SW4 9LZ | Terraced | 4 | £1,930,000 | £1074 | 29/08/25 | 0.96 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 | £45,700 | £1,030,000 | £32,459 | £-5,041 | £24,959 | 7.2% |
| Yr 3 | £48,014 | £1,092,727 | £34,125 | £-12,635 | £80,092 | 23.0% |
| Yr 5 | £50,444 | £1,159,274 | £35,875 | £-16,771 | £142,503 | 41.0% |
| Yr 10 | £57,073 | £1,343,916 | £40,648 | £-10,814 | £333,102 | 95.8% |
| Yr 15 | £64,573 | £1,557,967 | £46,047 | £20,857 | £578,825 | 166.4% |
| Yr 20 | £73,058 | £1,806,111 | £52,157 | £81,621 | £887,733 | 255.2% |
| Yr 25 | £82,659 | £2,093,778 | £59,069 | £175,302 | £1,269,080 | 364.8% |
| Yr 30 | £93,521 | £2,427,262 | £66,890 | £306,225 | £1,733,487 | 498.3% |
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 — SW4 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,236 | 3.9% | 2.5% | £-1,996 | -16.4% |
| Conservative | £3,541 | 4.2% | 2.9% | £-996 | -5.0% |
| Base | £3,807 | 4.6% | 3.2% | £-421 | -0.1% |
| Optimistic | £4,112 | 4.9% | 3.6% | £193 | 5.4% |
| Bull | £4,492 | 5.4% | 4.1% | £877 | 12.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.57% |
| Net Yield | ●3.24% |
| Net Annual Income | £32,447 |
| Deductions: void 8% (−£3,656) · mgmt 10% (−£4,570) · maint 10% (−£4,570) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £3,119 |
| Monthly Cashflow (IO) | ●£-415 |
| Cash-on-Cash Return | ●-1.45% |
| 5-Year IRR | ●-0.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £93,750 |
| SDLT Effective Rate | 9.38% |
| SDLT (Company) | £150,000 |
| Section 24 Extra Tax/yr (higher rate) | £7,119 |
| SPV Annual Saving | £7,119 |
| SPV Breakeven | 7.9 yrs |
| CGT Projected Sale (5yr) | £1,159,274 |
| Less: Purchase Price | −£1,000,000 |
| Less: Buying Costs (SDLT + legal) | −£96,350 |
| Less: Selling Costs (est. 2.5%) | −£28,982 |
| = CGT Net Gain (5yr) | £33,942 |
| CGT at 24% | £7,426 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £3,236 | 3.9% | 2.5% | £-1,996 | -16.4% |
| Conservative | £3,541 | 4.2% | 2.9% | £-996 | -5.0% |
| Base | £3,807 | 4.6% | 3.2% | £-421 | -0.1% |
| Optimistic | £4,112 | 4.9% | 3.6% | £193 | 5.4% |
| Bull | £4,492 | 5.4% | 4.1% | £877 | 12.4% |