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Flat · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 27% above the area median. Offers anchored to area median of £212,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £1,850 |
| Bedroom 2 | £1,850 |
| Bedroom 3 | £1,850 |
| Entrance Hall | £550 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | M Cole Builders: Builders | Building Services | Romford | 01708 755771 | — |
| decorator | Painters and Decorators Romford | Byron Quality Decorators | 01708 378 624 | — |
| photographer | Essex Wedding Photographer | Natural Wedding Photography | 07887 517 536 | — |
Property Details
- Asking Price
- £270,000
- Property Type
- Flat
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £22,545 | £278,100 | £15,787 | £5,662 | £13,762 | 15.5% |
| Yr 3 | £23,686 | £295,036 | £16,609 | £18,215 | £43,251 | 48.8% |
| Yr 5 | £24,885 | £313,004 | £17,473 | £32,473 | £75,477 | 85.2% |
| Yr 10 | £28,156 | £362,857 | £19,827 | £76,158 | £169,015 | 190.8% |
| Yr 15 | £31,855 | £420,651 | £22,491 | £132,528 | £283,179 | 319.6% |
| Yr 20 | £36,042 | £487,650 | £25,505 | £203,251 | £420,901 | 475.1% |
| Yr 25 | £40,778 | £565,320 | £28,915 | £290,212 | £585,533 | 660.9% |
| Yr 30 | £46,136 | £655,361 | £32,773 | £395,546 | £780,907 | 881.4% |
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)
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?
📄 Lease Information
Estimated remaining lease: 120 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,597 | 7.1% | 4.4% | £-96 | -5.7% |
| Conservative | £1,747 | 7.8% | 5.3% | £258 | 4.3% |
| Base | £1,879 | 8.4% | 5.8% | £472 | 8.7% |
| Optimistic | £2,029 | 9.0% | 6.5% | £705 | 13.8% |
| Bull | £2,217 | 9.9% | 7.3% | £973 | 20.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.35% |
| Net Yield | ●5.85% |
| Net Annual Income | £15,790 |
| Deductions: void 8% (−£1,804) · mgmt 10% (−£2,254) · maint 10% (−£2,254) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£474 |
| Cash-on-Cash Return | ●6.39% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £3,774 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,597 | 7.1% | 4.4% | £-96 | -5.7% |
| Conservative | £1,747 | 7.8% | 5.3% | £258 | 4.3% |
| Base | £1,879 | 8.4% | 5.8% | £472 | 8.7% |
| Optimistic | £2,029 | 9.0% | 6.5% | £705 | 13.8% |
| Bull | £2,217 | 9.9% | 7.3% | £973 | 20.2% |
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