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Apartment · 1 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
AI condition score: 6/10 · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £2,650 |
| Bathroom | £2,000 |
| Living Room | £1,150 |
| Master Bedroom | £2,650 |
| 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 | 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
- £189,950
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 400–500 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 | £16,469 | £195,648 | £11,412 | £4,289 | £9,988 | 16.0% |
| Yr 3 | £17,302 | £207,563 | £12,013 | £13,765 | £31,378 | 50.3% |
| Yr 5 | £18,178 | £220,204 | £12,643 | £24,486 | £54,740 | 87.7% |
| Yr 10 | £20,567 | £255,277 | £14,363 | £57,162 | £122,489 | 196.3% |
| Yr 15 | £23,270 | £295,936 | £16,309 | £99,105 | £205,091 | 328.8% |
| Yr 20 | £26,328 | £343,071 | £18,511 | £151,532 | £304,653 | 488.4% |
| Yr 25 | £29,787 | £397,713 | £21,002 | £215,820 | £423,584 | 679.0% |
| Yr 30 | £33,702 | £461,059 | £23,820 | £293,530 | £564,638 | 905.1% |
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: 93 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,167 | 7.4% | 4.6% | £-50 | -5.1% |
| Conservative | £1,277 | 8.1% | 5.4% | £204 | 4.9% |
| Base | £1,373 | 8.7% | 6.0% | £358 | 9.2% |
| Optimistic | £1,483 | 9.4% | 6.7% | £526 | 14.2% |
| Bull | £1,620 | 10.2% | 7.5% | £719 | 20.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.67% |
| Net Yield | ●6.01% |
| Net Annual Income | £11,418 |
| Deductions: void 8% (−£1,317) · mgmt 10% (−£1,647) · maint 10% (−£1,647) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £592 |
| Monthly Cashflow (IO) | ●£360 |
| Cash-on-Cash Return | ●6.88% |
| 5-Year IRR | ●9.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,796 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,796 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £2,774 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,204 |
| Less: Purchase Price | −£189,950 |
| Less: Buying Costs (SDLT + legal) | −£13,396 |
| Less: Selling Costs (est. 2.5%) | −£5,505 |
| = CGT Net Gain (5yr) | £11,353 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,167 | 7.4% | 4.6% | £-50 | -5.1% |
| Conservative | £1,277 | 8.1% | 5.4% | £204 | 4.9% |
| Base | £1,373 | 8.7% | 6.0% | £358 | 9.2% |
| Optimistic | £1,483 | 9.4% | 6.7% | £526 | 14.2% |
| Bull | £1,620 | 10.2% | 7.5% | £719 | 20.6% |
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