Rodenhurst Road, Clapham
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 44.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £890,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- 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
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £2,776 |
| ICR (actual) | 1.0x |
| Feasibility | REFER |
| Notes: Rental coverage 71% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £890,000 |
| Deposit (25% — 75% LTV) | £222,500 |
| SDLT (additional property, 5% surcharge) | £79,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £304,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £890,000 | Loan (75% LTV) | £667,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £3,059 |
| Rent needed (1.5×) | £4,589/mo | Estimated rent | £2,776/mo |
| Stress ratio | 0.91× (need ≥ 1.5×) £1813 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 | £2,774 |
| SA vs BTL uplift | £-1,696/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £958,433 | +£68,433 | £259,352 | +£36,852 (4.1%) |
| 5 years | £1,006,953 | +£116,953 | £295,500 | +£73,000 (8.2%) |
| 7 years | £1,057,930 | +£167,930 | £333,478 | +£110,978 (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 1 comparable sale(s) matched 3 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 | 0.30 mi |
| 67, NARBONNE AVENUE, SW4 9JP | Terraced | 5 | £1,580,000 | £769 | 16/01/26 | 0.27 mi |
| 52, LYNETTE AVENUE, SW4 9HD | Terraced | 4 | £1,550,000 | £1036 | 19/12/25 | 0.33 mi |
| 81, ABBEVILLE ROAD, SW4 9JL | Terraced | 5 | £1,875,000 | £854 | 16/12/25 | 0.24 mi |
| 26, FRANCONIA ROAD, SW4 9ND | Terraced | 5 | £1,660,000 | £745 | 31/10/25 | 0.15 mi |
| 73A, HAMBALT ROAD, SW4 9EQ | Terraced | 3 | £875,000 | £884 | 24/10/25 | 0.24 mi |
| 90, PARK HILL, SW4 9PB | Terraced | 5 | £1,280,000 | £695 | 26/09/25 | 0.33 mi |
| 147, HAMBALT ROAD, SW4 9EL | Terraced | 5 | £1,750,000 | £898 | 15/09/25 | 0.11 mi |
| 76, CRESCENT LANE, SW4 9PL | Terraced | 5 | £2,205,692 | £865 | 04/09/25 | 0.26 mi |
| 6, CALDERVALE ROAD, SW4 9LZ | Terraced | 4 | £1,930,000 | £1074 | 29/08/25 | 0.18 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 | £33,286 | £916,700 | £23,521 | £-9,854 | £16,846 | 5.5% |
| Yr 3 | £34,971 | £972,527 | £24,734 | £-27,750 | £54,777 | 17.9% |
| Yr 5 | £36,742 | £1,031,754 | £26,009 | £-43,127 | £98,627 | 32.3% |
| Yr 10 | £41,570 | £1,196,086 | £29,485 | £-69,701 | £236,385 | 77.4% |
| Yr 15 | £47,032 | £1,386,591 | £33,418 | £-77,545 | £419,046 | 137.1% |
| Yr 20 | £53,213 | £1,607,439 | £37,868 | £-64,199 | £653,240 | 213.8% |
| Yr 25 | £60,205 | £1,863,462 | £42,903 | £-26,878 | £946,585 | 309.7% |
| Yr 30 | £68,117 | £2,160,264 | £48,599 | £37,569 | £1,307,832 | 428.0% |
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 | £2,360 | 3.2% | 2.0% | £-2,119 | -18.5% |
| Conservative | £2,582 | 3.5% | 2.4% | £-1,289 | -6.6% |
| Base | £2,776 | 3.7% | 2.6% | £-820 | -1.5% |
| Optimistic | £2,998 | 4.0% | 2.9% | £-322 | 4.2% |
| Bull | £3,276 | 4.4% | 3.3% | £227 | 11.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●3.74% |
| Net Yield | ●2.64% |
| Net Annual Income | £23,540 |
| Deductions: void 8% (−£2,663) · mgmt 10% (−£3,329) · maint 10% (−£3,329) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,776 |
| Monthly Cashflow (IO) | ●£-814 |
| Cash-on-Cash Return | ●-3.22% |
| 5-Year IRR | ●-1.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £79,000 |
| SDLT Effective Rate | 8.88% |
| SDLT (Company) | £133,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,985 |
| SPV Annual Saving | £3,985 |
| SPV Breakeven | 13.7 yrs |
| CGT Projected Sale (5yr) | £1,031,754 |
| Less: Purchase Price | −£890,000 |
| Less: Buying Costs (SDLT + legal) | −£81,600 |
| Less: Selling Costs (est. 2.5%) | −£25,794 |
| = CGT Net Gain (5yr) | £34,360 |
| CGT at 24% | £7,526 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,360 | 3.2% | 2.0% | £-2,119 | -18.5% |
| Conservative | £2,582 | 3.5% | 2.4% | £-1,289 | -6.6% |
| Base | £2,776 | 3.7% | 2.6% | £-820 | -1.5% |
| Optimistic | £2,998 | 4.0% | 2.9% | £-322 | 4.2% |
| Bull | £3,276 | 4.4% | 3.3% | £227 | 11.3% |