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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | Builders Dartford - Building Contractors in Kent | Local ... | 01322 784014 | — |
| decorator | RSG Decorators | 07809 475337 | — |
| photographer | Harriet Buckingham Photography Photographer in Dartford | 07717 740 072 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £20,405 | £360,500 | £14,247 | £1,122 | £11,622 | 10.0% |
| Yr 3 | £21,438 | £382,454 | £14,990 | £4,476 | £36,930 | 31.7% |
| Yr 5 | £22,523 | £405,746 | £15,772 | £9,374 | £65,120 | 55.8% |
| Yr 10 | £25,483 | £470,371 | £17,903 | £28,896 | £149,266 | 128.0% |
| Yr 15 | £28,832 | £545,289 | £20,314 | £59,899 | £255,187 | 218.9% |
| Yr 20 | £32,620 | £632,139 | £23,042 | £103,892 | £386,031 | 331.1% |
| Yr 25 | £36,907 | £732,822 | £26,128 | £162,582 | £545,404 | 467.8% |
| Yr 30 | £41,757 | £849,542 | £29,620 | £237,901 | £737,443 | 632.5% |
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
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● 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 | £1,445 | 5.0% | 3.1% | £-520 | -12.6% |
| Conservative | £1,581 | 5.4% | 3.7% | £-134 | -1.6% |
| Base | £1,700 | 5.8% | 4.1% | £93 | 3.2% |
| Optimistic | £1,836 | 6.3% | 4.5% | £337 | 8.6% |
| Bull | £2,006 | 6.9% | 5.1% | £612 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.83% |
| Net Yield | ●4.07% |
| Net Annual Income | £14,243 |
| Deductions: void 8% (−£1,632) · mgmt 10% (−£2,040) · maint 10% (−£2,040) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£95 |
| Cash-on-Cash Return | ●0.96% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,623 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,445 | 5.0% | 3.1% | £-520 | -12.6% |
| Conservative | £1,581 | 5.4% | 3.7% | £-134 | -1.6% |
| Base | £1,700 | 5.8% | 4.1% | £93 | 3.2% |
| Optimistic | £1,836 | 6.3% | 4.5% | £337 | 8.6% |
| Bull | £2,006 | 6.9% | 5.1% | £612 | 15.4% |
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