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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 19% below the area median — 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 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £2,000 |
| Living Room | £1,150 |
| Master Bedroom | £1,300 |
| Bedroom 2 | £1,300 |
| Entrance Hall | £250 |
| Total Estimated Refurb | £7,250 |
⚠ 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 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
- £195,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £16,946 | £200,850 | £11,756 | £4,443 | £10,293 | 16.1% |
| Yr 3 | £17,803 | £213,082 | £12,373 | £14,252 | £32,334 | 50.5% |
| Yr 5 | £18,705 | £226,058 | £13,022 | £25,344 | £56,402 | 88.1% |
| Yr 10 | £21,163 | £262,064 | £14,792 | £59,115 | £126,178 | 197.2% |
| Yr 15 | £23,944 | £303,804 | £16,794 | £102,421 | £211,224 | 330.0% |
| Yr 20 | £27,090 | £352,192 | £19,060 | £156,514 | £313,706 | 490.2% |
| Yr 25 | £30,650 | £408,287 | £21,623 | £222,813 | £436,100 | 681.4% |
| Yr 30 | £34,677 | £473,316 | £24,523 | £302,921 | £581,238 | 908.2% |
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)
2 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: 104 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,200 | 7.4% | 4.6% | £-49 | -5.1% |
| Conservative | £1,313 | 8.1% | 5.4% | £212 | 4.9% |
| Base | £1,412 | 8.7% | 6.0% | £370 | 9.3% |
| Optimistic | £1,525 | 9.4% | 6.7% | £543 | 14.3% |
| Bull | £1,666 | 10.3% | 7.6% | £742 | 20.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.69% |
| Net Yield | ●6.03% |
| Net Annual Income | £11,755 |
| Deductions: void 8% (−£1,356) · mgmt 10% (−£1,695) · maint 10% (−£1,695) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £608 |
| Monthly Cashflow (IO) | ●£372 |
| Cash-on-Cash Return | ●6.94% |
| 5-Year IRR | ●9.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,150 |
| SDLT Effective Rate | 5.72% |
| SDLT (Company) | £11,150 |
| Section 24 Extra Tax/yr (higher rate) | £1,463 |
| SPV Annual Saving | £2,849 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £226,058 |
| Less: Purchase Price | −£195,000 |
| Less: Buying Costs (SDLT + legal) | −£13,750 |
| Less: Selling Costs (est. 2.5%) | −£5,651 |
| = CGT Net Gain (5yr) | £11,657 |
| CGT at 24% | £2,078 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,200 | 7.4% | 4.6% | £-49 | -5.1% |
| Conservative | £1,313 | 8.1% | 5.4% | £212 | 4.9% |
| Base | £1,412 | 8.7% | 6.0% | £370 | 9.3% |
| Optimistic | £1,525 | 9.4% | 6.7% | £543 | 14.3% |
| Bull | £1,666 | 10.3% | 7.6% | £742 | 20.6% |
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