Haselrigge Road, London, SW4
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 34.2% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £425,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 458 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 98 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,325 |
| ICR (actual) | 1.44x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 103% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £425,000 |
| Deposit (25% — 75% LTV) | £106,250 |
| SDLT (additional property, 5% surcharge) | £32,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £141,749 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £425,000 | Loan (75% LTV) | £318,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,461 |
| Rent needed (1.5×) | £2,191/mo | Estimated rent | £1,911/mo |
| Stress ratio | 1.31× (need ≥ 1.5×) £280 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 | £1,318 |
| SA net/mo | £1,010 |
| BTL est./mo | £1,912 |
| SA vs BTL uplift | £-594/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £457,679 | +£32,679 | £123,440 | +£17,190 (4.0%) |
| 5 years | £480,848 | +£55,848 | £140,702 | +£34,452 (8.1%) |
| 7 years | £505,191 | +£80,191 | £158,838 | +£52,588 (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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Location
Comparable Sales in SW4 9
⚠️ Only 2 comparable sale(s) matched 1 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 70, BONNEVILLE GARDENS, SW4 9LE | Flat | 2 | £775,000 | £876 | 06/03/26 | 0.77 mi |
| 114, CLAPHAM COMMON NORTH SIDE, SW4 9SW | Flat | 0 | £417,000 | £1384 | 23/02/26 | 1.33 mi |
| 21A, MANDALAY ROAD, SW4 9EE | Flat | 2 | £765,000 | £1146 | 13/02/26 | 0.63 mi |
| FLAT 3, 108, CLAPHAM COMMON NORTH SIDE, SW4 9SH | Flat | 2 | £585,000 | £849 | 16/12/25 | 1.20 mi |
| 181A, ABBEVILLE ROAD, SW4 9JH | Flat | 1 | £550,000 | £1188 | 12/12/25 | 0.30 mi |
| FLAT 2, 2, CALDERVALE ROAD, SW4 9LZ | Flat | 2 | £620,000 | £944 | 05/12/25 | 0.48 mi |
| 71, HAMBALT ROAD, SW4 9EQ | Flat | 2 | £850,000 | £1120 | 27/11/25 | 0.59 mi |
| FLAT 15, 15, ABBEVILLE ROAD, SW4 9LA | Flat | 0 | £315,000 | £1009 | 21/11/25 | 0.74 mi |
| 78, NARBONNE AVENUE, SW4 9JU | Flat | 3 | £877,500 | £799 | 10/11/25 | 0.67 mi |
| FLAT 3, 57, CLAPHAM COMMON SOUTH SIDE, SW4 9DA | Flat | 1 | £700,000 | £1204 | 03/11/25 | 0.64 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 | £22,950 | £437,750 | £16,079 | £142 | £12,892 | 9.0% |
| Yr 3 | £24,112 | £464,409 | £16,916 | £1,674 | £41,083 | 28.8% |
| Yr 5 | £25,333 | £492,691 | £17,794 | £4,943 | £72,635 | 50.8% |
| Yr 10 | £28,661 | £571,164 | £20,191 | £21,300 | £167,464 | 117.2% |
| Yr 15 | £32,428 | £662,136 | £22,903 | £50,570 | £287,706 | 201.4% |
| Yr 20 | £36,689 | £767,597 | £25,971 | £94,450 | £437,047 | 305.9% |
| Yr 25 | £41,510 | £889,856 | £29,442 | £154,860 | £619,716 | 433.8% |
| Yr 30 | £46,965 | £1,031,587 | £33,370 | £233,973 | £840,560 | 588.4% |
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)
🌎 Area Profile — SW4 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,624 | 4.6% | 2.9% | £-708 | -13.9% |
| Conservative | £1,777 | 5.0% | 3.4% | £-254 | -2.6% |
| Base | £1,911 | 5.4% | 3.8% | £11 | 2.2% |
| Optimistic | £2,064 | 5.8% | 4.2% | £295 | 7.6% |
| Bull | £2,255 | 6.4% | 4.7% | £614 | 14.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.4% |
| Net Yield | ●3.78% |
| Net Annual Income | £16,066 |
| Deductions: void 8% (−£1,836) · mgmt 10% (−£2,295) · maint 10% (−£2,295) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,325 |
| Monthly Cashflow (IO) | ●£14 |
| Cash-on-Cash Return | ●0.09% |
| 5-Year IRR | ●2.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,500 |
| SDLT Effective Rate | 7.65% |
| SDLT (Company) | £32,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,188 |
| SPV Annual Saving | £4,119 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £492,691 |
| Less: Purchase Price | −£425,000 |
| Less: Buying Costs (SDLT + legal) | −£35,100 |
| Less: Selling Costs (est. 2.5%) | −£12,317 |
| = CGT Net Gain (5yr) | £20,274 |
| CGT at 24% | £4,146 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,624 | 4.6% | 2.9% | £-708 | -13.9% |
| Conservative | £1,777 | 5.0% | 3.4% | £-254 | -2.6% |
| Base | £1,911 | 5.4% | 3.8% | £11 | 2.2% |
| Optimistic | £2,064 | 5.8% | 4.2% | £295 | 7.6% |
| Bull | £2,255 | 6.4% | 4.7% | £614 | 14.5% |