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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £347,000. 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 | £2,750 |
| Bedroom 2 | £2,750 |
| 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 | Building Services Ilford, IG1 - Rob The Builder | 020 3952 3265 | — |
| decorator | Painter and decorator Ilford, Loxford, IG1. Call Now 020 8719 0128. | 02087190128 | — |
| photographer | AD Photo Studio | 020 8478 6454 | — |
Property Details
- Asking Price
- £375,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- 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 | £20,475 | £386,250 | £14,297 | £234 | £11,484 | 9.2% |
| Yr 3 | £21,512 | £409,773 | £15,043 | £1,818 | £36,591 | 29.2% |
| Yr 5 | £22,601 | £434,728 | £15,827 | £4,951 | £64,679 | 51.6% |
| Yr 10 | £25,570 | £503,969 | £17,966 | £20,085 | £149,054 | 118.9% |
| Yr 15 | £28,931 | £584,238 | £20,385 | £46,740 | £255,978 | 204.2% |
| Yr 20 | £32,732 | £677,292 | £23,122 | £86,429 | £388,721 | 310.1% |
| Yr 25 | £37,034 | £785,167 | £26,219 | £140,866 | £551,033 | 439.6% |
| Yr 30 | £41,900 | £910,223 | £29,723 | £211,989 | £747,212 | 596.1% |
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)
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: 990 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 4.6% | 2.9% | £-619 | -13.7% |
| Conservative | £1,586 | 5.1% | 3.4% | £-216 | -2.4% |
| Base | £1,705 | 5.5% | 3.8% | £19 | 2.4% |
| Optimistic | £1,841 | 5.9% | 4.2% | £271 | 7.8% |
| Bull | £2,012 | 6.4% | 4.8% | £554 | 14.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.46% |
| Net Yield | ●3.81% |
| Net Annual Income | £14,286 |
| Deductions: void 8% (−£1,638) · mgmt 10% (−£2,048) · maint 10% (−£2,048) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£20 |
| Cash-on-Cash Return | ●0.18% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,813 |
| SPV Annual Saving | £3,679 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 4.6% | 2.9% | £-619 | -13.7% |
| Conservative | £1,586 | 5.1% | 3.4% | £-216 | -2.4% |
| Base | £1,705 | 5.5% | 3.8% | £19 | 2.4% |
| Optimistic | £1,841 | 5.9% | 4.2% | £271 | 7.8% |
| Bull | £2,012 | 6.4% | 4.8% | £554 | 14.7% |
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