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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 21% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,300 |
| Bathroom | £1,700 |
| Living Room | £1,000 |
| Master Bedroom | £1,150 |
| Bedroom 2 | £1,150 |
| Entrance Hall | £250 |
| Total Estimated Refurb | £6,250 |
⚠ 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 | Builders Twickenham - Twickenham Builders Services | 020 3026 9216 | — |
| decorator | Marks Painting & Decorating Services Twickenham, London | 0208 892 8249 | — |
| photographer | Twickenham Photographer Jilly Cowdry | 07808 724330 | 07808724330 | — |
Property Details
- Asking Price
- £225,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
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 | — | — | — | — |
| Sector sale 4 | Flat | 2 | — | — | — | — |
| Sector sale 5 | Flat | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 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
Motivated Seller Analysis
Standard — 1/10Behavioural signals: 77 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £702 |
| ICR (actual) | 2.17x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £225,000 |
| Deposit (25% — 75% LTV) | £56,250 |
| SDLT (additional property, 5% surcharge) | £13,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £72,499 |
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 | £225,000 | Loan (75% LTV) | £168,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £773 |
| Rent needed (1.5×) | £1,160/mo | Estimated rent | £1,524/mo |
| Stress ratio | 1.97× (need ≥ 1.5×) +£364 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 | £6,250 (90% recycled) |
| Est. BTL cashflow | +£53/mo |
| Gross margin | +£75,000 |
| Reno cost (est.) | –£6,250 |
| Buy + sell costs | –£21,350 |
| Net profit | +£47,400 (75.8% ROI) |
| SA gross/mo | £1,400 |
| SA net/mo | £1,082 |
| BTL est./mo | £1,524 |
| SA vs BTL uplift | £-124/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £242,300 | +£17,300 | £64,984 | +£8,734 (3.9%) |
| 5 years | £254,567 | +£29,567 | £74,122 | +£17,872 (7.9%) |
| 7 years | £267,454 | +£42,454 | £83,723 | +£27,473 (12.2%) |
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 | £18,293 | £231,750 | £12,726 | £4,288 | £11,038 | 15.0% |
| Yr 3 | £19,219 | £245,864 | £13,392 | £13,860 | £34,724 | 47.2% |
| Yr 5 | £20,191 | £260,837 | £14,093 | £24,817 | £60,653 | 82.4% |
| Yr 10 | £22,845 | £302,381 | £16,003 | £58,730 | £136,111 | 184.9% |
| Yr 15 | £25,847 | £350,543 | £18,165 | £102,937 | £228,479 | 310.4% |
| Yr 20 | £29,243 | £406,375 | £20,610 | £158,788 | £340,163 | 462.2% |
| Yr 25 | £33,086 | £471,100 | £23,377 | £227,816 | £473,916 | 643.9% |
| Yr 30 | £37,434 | £546,134 | £26,507 | £311,750 | £632,884 | 859.9% |
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 | £1,295 | 6.9% | 4.3% | £-109 | -6.4% |
| Conservative | £1,417 | 7.6% | 5.1% | £182 | 3.8% |
| Base | £1,524 | 8.1% | 5.7% | £357 | 8.3% |
| Optimistic | £1,646 | 8.8% | 6.3% | £548 | 13.3% |
| Bull | £1,798 | 9.6% | 7.1% | £767 | 19.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.13% |
| Net Yield | ●5.65% |
| Net Annual Income | £12,722 |
| Deductions: void 8% (−£1,463) · mgmt 10% (−£1,829) · maint 10% (−£1,829) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £702 |
| Monthly Cashflow (IO) | ●£358 |
| Cash-on-Cash Return | ●5.82% |
| 5-Year IRR | ●8.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,688 |
| SPV Annual Saving | £3,094 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,837 |
| Less: Purchase Price | −£225,000 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,466 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,295 | 6.9% | 4.3% | £-109 | -6.4% |
| Conservative | £1,417 | 7.6% | 5.1% | £182 | 3.8% |
| Base | £1,524 | 8.1% | 5.7% | £357 | 8.3% |
| Optimistic | £1,646 | 8.8% | 6.3% | £548 | 13.3% |
| Bull | £1,798 | 9.6% | 7.1% | £767 | 19.8% |