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Maisonette · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the comparable sales mean. Offers anchored to comparable sales mean of £331,000.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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 | Builders Twickenham - Twickenham Builders Services | 020 3026 9216 | — |
| decorator | Marks Painting & Decorating Services Twickenham, London | 0208 892 8249 | — |
| photographer | Twickenham Photographer Jilly Cowdry | 07808 724330 | 07808724330 | — |
Property Details
- Asking Price
- £349,950
- Property Type
- Maisonette
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 2-4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 2 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 2 | — | — | — | — |
| Sector sale 4 | Flat | 2 | — | — | — | — |
| Sector sale 5 | Flat | 2 | — | — | — | — |
| Sector sale 6 | Flat | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 102 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,091 |
| ICR (actual) | 2.0x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 143% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £349,950 |
| Deposit (25% — 75% LTV) | £87,487 |
| SDLT (additional property, 5% surcharge) | £24,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £115,481 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £349,950 | Loan (75% LTV) | £262,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,203 |
| Rent needed (1.5×) | £1,804/mo | Estimated rent | £2,179/mo |
| Stress ratio | 1.81× (need ≥ 1.5×) +£375 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £402,442 |
| 75% remortgage | £301,832 |
| Cash left in deal | £65,518 (38% recycled) |
| Est. BTL cashflow | +£158/mo |
| Gross margin | £-9,950 |
| Reno cost (est.) | –£17,400 |
| Buy + sell costs | –£33,695 |
| Net profit | £-61,045 (-58.2% ROI) |
| SA gross/mo | £1,341 |
| SA net/mo | £1,030 |
| BTL est./mo | £2,178 |
| SA vs BTL uplift | £-837/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £376,858 | +£26,908 | £101,505 | +£14,017 (4.0%) |
| 5 years | £395,936 | +£45,986 | £115,718 | +£28,231 (8.1%) |
| 7 years | £415,981 | +£66,031 | £130,651 | +£43,164 (12.3%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £26,141 | £360,448 | £18,377 | £5,254 | £15,752 | 13.5% |
| Yr 3 | £27,465 | £382,400 | £19,330 | £17,184 | £49,634 | 42.6% |
| Yr 5 | £28,855 | £405,688 | £20,331 | £31,092 | £86,830 | 74.5% |
| Yr 10 | £32,647 | £470,304 | £23,061 | £75,186 | £195,539 | 167.7% |
| Yr 15 | £36,937 | £545,211 | £26,150 | £133,988 | £329,248 | 282.4% |
| Yr 20 | £41,791 | £632,049 | £29,644 | £209,432 | £491,530 | 421.6% |
| Yr 25 | £47,282 | £732,718 | £33,598 | £303,704 | £686,472 | 588.8% |
| Yr 30 | £53,496 | £849,421 | £38,072 | £419,280 | £918,751 | 788.1% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,852 | 6.4% | 4.0% | £-255 | -8.2% |
| Conservative | £2,026 | 6.9% | 4.7% | £178 | 2.1% |
| Base | £2,179 | 7.5% | 5.3% | £438 | 6.6% |
| Optimistic | £2,353 | 8.1% | 5.8% | £720 | 11.8% |
| Bull | £2,571 | 8.8% | 6.6% | £1,042 | 18.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.47% |
| Net Yield | ●5.25% |
| Net Annual Income | £18,382 |
| Deductions: void 8% (−£2,091) · mgmt 10% (−£2,614) · maint 10% (−£2,614) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,091 |
| Monthly Cashflow (IO) | ●£441 |
| Cash-on-Cash Return | ●4.51% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £24,995 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £24,995 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £4,428 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,688 |
| Less: Purchase Price | −£349,950 |
| Less: Buying Costs (SDLT + legal) | −£27,595 |
| Less: Selling Costs (est. 2.5%) | −£10,142 |
| = CGT Net Gain (5yr) | £18,001 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,852 | 6.4% | 4.0% | £-255 | -8.2% |
| Conservative | £2,026 | 6.9% | 4.7% | £178 | 2.1% |
| Base | £2,179 | 7.5% | 5.3% | £438 | 6.6% |
| Optimistic | £2,353 | 8.1% | 5.8% | £720 | 11.8% |
| Bull | £2,571 | 8.8% | 6.6% | £1,042 | 18.3% |
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