🔒 Sign in to view the address — Belvedere
Apartment · 1 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: 8/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,100 |
| Bathroom | £800 |
| Living Room | £500 |
| Master Bedroom | £1,100 |
| Entrance Hall | £100 |
| Total Estimated Refurb | £2,900 |
⚠ 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
- £185,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £18,000 | £190,550 | £12,515 | £5,578 | £11,128 | 18.3% |
| Yr 3 | £18,912 | £202,154 | £13,171 | £17,714 | £34,868 | 57.3% |
| Yr 5 | £19,869 | £214,466 | £13,861 | £31,211 | £60,677 | 99.8% |
| Yr 10 | £22,480 | £248,625 | £15,741 | £71,375 | £134,999 | 222.0% |
| Yr 15 | £25,434 | £288,224 | £17,868 | £121,667 | £224,891 | 369.9% |
| Yr 20 | £28,777 | £334,131 | £20,274 | £183,418 | £332,549 | 547.0% |
| Yr 25 | £32,558 | £387,349 | £22,997 | £258,134 | £460,483 | 757.4% |
| Yr 30 | £36,836 | £449,044 | £26,077 | £347,520 | £611,563 | 1005.9% |
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: 116 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,275 | 8.3% | 5.1% | £40 | -2.4% |
| Conservative | £1,395 | 9.0% | 6.1% | £303 | 7.2% |
| Base | £1,500 | 9.7% | 6.8% | £465 | 11.4% |
| Optimistic | £1,620 | 10.5% | 7.5% | £641 | 16.3% |
| Bull | £1,770 | 11.5% | 8.5% | £846 | 22.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.73% |
| Net Yield | ●6.76% |
| Net Annual Income | £12,515 |
| Deductions: void 8% (−£1,440) · mgmt 10% (−£1,800) · maint 10% (−£1,800) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £577 |
| Monthly Cashflow (IO) | ●£466 |
| Cash-on-Cash Return | ●9.17% |
| 5-Year IRR | ●11.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £2,978 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,275 | 8.3% | 5.1% | £40 | -2.4% |
| Conservative | £1,395 | 9.0% | 6.1% | £303 | 7.2% |
| Base | £1,500 | 9.7% | 6.8% | £465 | 11.4% |
| Optimistic | £1,620 | 10.5% | 7.5% | £641 | 16.3% |
| Bull | £1,770 | 11.5% | 8.5% | £846 | 22.4% |
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