Church Green, London, SW9
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 38.0% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £685,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 969 sqft
- 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 | £2,136 |
| ICR (actual) | 1.25x |
| Feasibility | REFER |
| Notes: Rental coverage 89% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £685,000 |
| Deposit (25% — 75% LTV) | £171,250 |
| SDLT (additional property, 5% surcharge) | £58,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £232,749 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £685,000 | Loan (75% LTV) | £513,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £2,355 |
| Rent needed (1.5×) | £3,532/mo | Estimated rent | £2,677/mo |
| Stress ratio | 1.14× (need ≥ 1.5×) £855 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 | £2,677 |
| SA vs BTL uplift | £-1,599/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £737,670 | +£52,670 | £199,434 | +£28,184 (4.1%) |
| 5 years | £775,015 | +£90,015 | £227,256 | +£56,006 (8.2%) |
| 7 years | £814,250 | +£129,250 | £256,486 | +£85,236 (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 SW9 0
⚠️ Only 2 comparable sale(s) matched 3 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 23, ST MARTINS ROAD, SW9 0SP | Terraced | 4 | £1,300,000 | £822 | 02/10/25 | 0.42 mi |
| 69, HACKFORD ROAD, SW9 0RE | Terraced | 4 | £1,125,000 | £823 | 01/10/25 | 0.34 mi |
| 5, PICKLE MEWS, SW9 0FJ | Terraced | 5 | £1,425,000 | £744 | 26/09/25 | 0.58 mi |
| 21, OFFLEY ROAD, SW9 0LR | Terraced | 5 | £1,725,000 | £788 | 08/07/25 | 0.59 mi |
| 123, CLAPHAM ROAD, SW9 0HP | Terraced | 3 | £800,000 | £708 | 07/07/25 | 0.48 mi |
| 44, STOCKWELL PARK ROAD, SW9 0AW | Terraced | 4 | £1,357,500 | £788 | 04/07/25 | 0.35 mi |
| 52A, OFFLEY ROAD, SW9 0LS | Terraced | 3 | £890,001 | £811 | 24/06/25 | 0.59 mi |
| 7, SIDNEY ROAD, SW9 0TP | Terraced | 4 | £667,300 | £416 | 31/03/25 | 0.37 mi |
| 7, SIDNEY ROAD, SW9 0TP | Terraced | 4 | £667,300 | £416 | 31/03/25 | 0.37 mi |
| 24, PRINTERS ROAD, SW9 0BH | Terraced | 4 | £1,100,000 | £655 | 21/03/25 | 0.44 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 | £32,127 | £705,550 | £22,686 | £-3,001 | £17,549 | 7.5% |
| Yr 3 | £33,753 | £748,518 | £23,857 | £-7,255 | £56,263 | 24.1% |
| Yr 5 | £35,462 | £794,103 | £25,087 | £-9,078 | £100,025 | 42.8% |
| Yr 10 | £40,122 | £920,583 | £28,443 | £-2,179 | £233,404 | 99.8% |
| Yr 15 | £45,394 | £1,067,208 | £32,239 | £22,797 | £405,005 | 173.2% |
| Yr 20 | £51,359 | £1,237,186 | £36,534 | £68,226 | £620,412 | 265.3% |
| Yr 25 | £58,108 | £1,434,238 | £41,393 | £136,793 | £886,031 | 378.9% |
| Yr 30 | £65,744 | £1,662,675 | £46,891 | £231,542 | £1,209,217 | 517.1% |
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 — SW9 0 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,275 | 4.0% | 2.5% | £-1,341 | -15.9% |
| Conservative | £2,490 | 4.4% | 3.0% | £-649 | -4.4% |
| Base | £2,677 | 4.7% | 3.3% | £-250 | 0.5% |
| Optimistic | £2,891 | 5.1% | 3.7% | £176 | 6.0% |
| Bull | £3,159 | 5.5% | 4.1% | £651 | 13.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.69% |
| Net Yield | ●3.31% |
| Net Annual Income | £22,684 |
| Deductions: void 8% (−£2,570) · mgmt 10% (−£3,213) · maint 10% (−£3,213) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £2,136 |
| Monthly Cashflow (IO) | ●£-246 |
| Cash-on-Cash Return | ●-1.28% |
| 5-Year IRR | ●0.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £58,500 |
| SDLT Effective Rate | 8.54% |
| SDLT (Company) | £102,750 |
| Section 24 Extra Tax/yr (higher rate) | £5,138 |
| SPV Annual Saving | £5,142 |
| SPV Breakeven | 8.6 yrs |
| CGT Projected Sale (5yr) | £794,103 |
| Less: Purchase Price | −£685,000 |
| Less: Buying Costs (SDLT + legal) | −£61,100 |
| Less: Selling Costs (est. 2.5%) | −£19,853 |
| = CGT Net Gain (5yr) | £28,150 |
| CGT at 24% | £6,036 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,275 | 4.0% | 2.5% | £-1,341 | -15.9% |
| Conservative | £2,490 | 4.4% | 3.0% | £-649 | -4.4% |
| Base | £2,677 | 4.7% | 3.3% | £-250 | 0.5% |
| Optimistic | £2,891 | 5.1% | 3.7% | £176 | 6.0% |
| Bull | £3,159 | 5.5% | 4.1% | £651 | 13.0% |