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Apartment · 2 bed
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Suggested Offer Range
Asking price is 44% above the area median. Offers anchored to area median of £381,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Home Builder London Ltd: Building & Renovation Services | 07473 463936 | — |
| decorator | Painting and Decorating London - David Banks & Company | 020 7385 9759 | — |
| photographer | London vacation photographer | 07879 455 932 | — |
Property Details
- Asking Price
- £550,000
- Property Type
- Apartment
- Bedrooms
- 2
- 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 | £31,185 | £566,500 | £22,008 | £1,383 | £17,883 | 9.6% |
| Yr 3 | £32,764 | £601,000 | £23,145 | £5,848 | £56,847 | 30.5% |
| Yr 5 | £34,422 | £637,601 | £24,339 | £12,671 | £100,272 | 53.7% |
| Yr 10 | £38,946 | £739,154 | £27,596 | £40,852 | £230,006 | 123.3% |
| Yr 15 | £44,064 | £856,882 | £31,281 | £86,579 | £393,461 | 210.9% |
| Yr 20 | £49,854 | £993,361 | £35,450 | £152,159 | £595,520 | 319.1% |
| Yr 25 | £56,405 | £1,151,578 | £40,167 | £240,201 | £841,779 | 451.1% |
| Yr 30 | £63,817 | £1,334,994 | £45,503 | £353,656 | £1,138,651 | 610.2% |
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?
📄 Lease Information
Estimated remaining lease: 242 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,210 | 4.8% | 3.1% | £-835 | -13.2% |
| Conservative | £2,418 | 5.3% | 3.6% | £-235 | -2.2% |
| Base | £2,600 | 5.7% | 4.0% | £116 | 2.6% |
| Optimistic | £2,808 | 6.1% | 4.5% | £494 | 8.0% |
| Bull | £3,068 | 6.7% | 5.0% | £920 | 14.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.67% |
| Net Yield | ●4.0% |
| Net Annual Income | £22,019 |
| Deductions: void 8% (−£2,495) · mgmt 10% (−£3,118) · maint 10% (−£3,118) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,715 |
| Monthly Cashflow (IO) | ●£120 |
| Cash-on-Cash Return | ●0.75% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £45,000 |
| SDLT Effective Rate | 8.18% |
| SDLT (Company) | £82,500 |
| Section 24 Extra Tax/yr (higher rate) | £4,125 |
| SPV Annual Saving | £5,511 |
| SPV Breakeven | 6.8 yrs |
| CGT Projected Sale (5yr) | £637,601 |
| Less: Purchase Price | −£550,000 |
| Less: Buying Costs (SDLT + legal) | −£47,600 |
| Less: Selling Costs (est. 2.5%) | −£15,940 |
| = CGT Net Gain (5yr) | £24,061 |
| CGT at 24% | £5,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,210 | 4.8% | 3.1% | £-835 | -13.2% |
| Conservative | £2,418 | 5.3% | 3.6% | £-235 | -2.2% |
| Base | £2,600 | 5.7% | 4.0% | £116 | 2.6% |
| Optimistic | £2,808 | 6.1% | 4.5% | £494 | 8.0% |
| Bull | £3,068 | 6.7% | 5.0% | £920 | 14.8% |
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