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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £500 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Entrance Hall | £100 |
| Total Estimated Refurb | £2,900 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Raaz Constructions Limited: Construction Company in Uxbridge | 08001337331 | — |
| decorator | Painters & Decorators Uxbridge - Decorwise | London | +447501148912 | — |
Property Details
- Asking Price
- £275,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 2 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 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.
Location
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £858 |
| ICR (actual) | 2.3x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £275,000 |
| Deposit (25% — 75% LTV) | £68,750 |
| SDLT (additional property, 5% surcharge) | £17,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £89,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £275,000 | Loan (75% LTV) | £206,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £945 |
| Rent needed (1.5×) | £1,418/mo | Estimated rent | £1,976/mo |
| Stress ratio | 2.09× (need ≥ 1.5×) +£558 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 (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £300,000 |
| 75% remortgage | £225,000 |
| Cash left in deal | £52,900 (26% recycled) |
| Est. BTL cashflow | +£347/mo |
| Gross margin | +£25,000 |
| Reno cost (est.) | –£2,900 |
| Buy + sell costs | –£25,600 |
| Net profit | £-3,500 (-4.9% ROI) |
| SA gross/mo | £664 |
| SA net/mo | £434 |
| BTL est./mo | £1,975 |
| SA vs BTL uplift | £-1,311/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £296,145 | +£21,145 | £79,598 | +£10,848 (3.9%) |
| 5 years | £311,137 | +£36,137 | £90,767 | +£22,017 (8.0%) |
| 7 years | £326,889 | +£51,889 | £102,502 | +£33,752 (12.3%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 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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📈 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 | £23,705 | £283,250 | £16,623 | £6,310 | £14,560 | 16.1% |
| Yr 3 | £24,905 | £300,500 | £17,487 | £20,221 | £45,721 | 50.6% |
| Yr 5 | £26,166 | £318,800 | £18,394 | £35,925 | £79,726 | 88.2% |
| Yr 10 | £29,604 | £369,577 | £20,870 | £83,640 | £178,217 | 197.3% |
| Yr 15 | £33,495 | £428,441 | £23,671 | £144,692 | £298,133 | 330.0% |
| Yr 20 | £37,896 | £496,681 | £26,840 | £220,836 | £442,517 | 489.8% |
| Yr 25 | £42,876 | £575,789 | £30,426 | £314,054 | £614,842 | 680.5% |
| Yr 30 | £48,510 | £667,497 | £34,482 | £426,589 | £819,086 | 906.6% |
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)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,680 | 7.3% | 4.6% | £-63 | -5.0% |
| Conservative | £1,838 | 8.0% | 5.5% | £304 | 4.9% |
| Base | £1,976 | 8.6% | 6.0% | £526 | 9.3% |
| Optimistic | £2,134 | 9.3% | 6.7% | £769 | 14.3% |
| Bull | £2,332 | 10.2% | 7.6% | £1,047 | 20.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.62% |
| Net Yield | ●6.05% |
| Net Annual Income | £16,628 |
| Deductions: void 8% (−£1,896) · mgmt 10% (−£2,370) · maint 10% (−£2,370) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £858 |
| Monthly Cashflow (IO) | ●£528 |
| Cash-on-Cash Return | ●6.99% |
| 5-Year IRR | ●9.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,500 |
| SDLT Effective Rate | 6.36% |
| SDLT (Company) | £17,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,063 |
| SPV Annual Saving | £3,946 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £318,800 |
| Less: Purchase Price | −£275,000 |
| Less: Buying Costs (SDLT + legal) | −£20,100 |
| Less: Selling Costs (est. 2.5%) | −£7,970 |
| = CGT Net Gain (5yr) | £15,730 |
| CGT at 24% | £3,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,680 | 7.3% | 4.6% | £-63 | -5.0% |
| Conservative | £1,838 | 8.0% | 5.5% | £304 | 4.9% |
| Base | £1,976 | 8.6% | 6.0% | £526 | 9.3% |
| Optimistic | £2,134 | 9.3% | 6.7% | £769 | 14.3% |
| Bull | £2,332 | 10.2% | 7.6% | £1,047 | 20.6% |