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Flat · 2 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
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £2,750 |
| Bedroom 2 | £2,750 |
| Entrance Hall | £550 |
| 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 | M Cole Builders: Builders | Building Services | Romford | 01708 755771 | — |
| decorator | Painters and Decorators Romford | Byron Quality Decorators | 01708 378 624 | — |
| photographer | Essex Wedding Photographer | Natural Wedding Photography | 07887 517 536 | — |
Property Details
- Asking Price
- £202,860
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 300–400 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 | £20,469 | £208,946 | £14,292 | £6,685 | £12,771 | 19.2% |
| Yr 3 | £21,505 | £221,671 | £15,038 | £21,170 | £39,980 | 60.1% |
| Yr 5 | £22,593 | £235,170 | £15,822 | £37,203 | £69,514 | 104.5% |
| Yr 10 | £25,562 | £272,627 | £17,960 | £84,586 | £154,353 | 232.1% |
| Yr 15 | £28,922 | £316,049 | £20,379 | £143,486 | £256,675 | 385.9% |
| Yr 20 | £32,722 | £366,388 | £23,115 | £215,416 | £378,944 | 569.7% |
| Yr 25 | £37,022 | £424,744 | £26,211 | £302,089 | £523,973 | 787.8% |
| Yr 30 | £41,887 | £492,394 | £29,714 | £405,443 | £694,977 | 1044.8% |
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)
1 planning application 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 | £1,449 | 8.6% | 5.4% | £81 | -1.3% |
| Conservative | £1,586 | 9.4% | 6.3% | £376 | 8.1% |
| Base | £1,705 | 10.1% | 7.0% | £557 | 12.3% |
| Optimistic | £1,841 | 10.9% | 7.8% | £755 | 17.1% |
| Bull | £2,012 | 11.9% | 8.8% | £985 | 23.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.09% |
| Net Yield | ●7.04% |
| Net Annual Income | £14,286 |
| Deductions: void 8% (−£1,637) · mgmt 10% (−£2,047) · maint 10% (−£2,047) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £633 |
| Monthly Cashflow (IO) | ●£558 |
| Cash-on-Cash Return | ●10.04% |
| 5-Year IRR | ●12.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,700 |
| SDLT Effective Rate | 5.77% |
| SDLT (Company) | £11,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,521 |
| SPV Annual Saving | £3,356 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £235,170 |
| Less: Purchase Price | −£202,860 |
| Less: Buying Costs (SDLT + legal) | −£14,300 |
| Less: Selling Costs (est. 2.5%) | −£5,879 |
| = CGT Net Gain (5yr) | £12,131 |
| CGT at 24% | £2,192 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 8.6% | 5.4% | £81 | -1.3% |
| Conservative | £1,586 | 9.4% | 6.3% | £376 | 8.1% |
| Base | £1,705 | 10.1% | 7.0% | £557 | 12.3% |
| Optimistic | £1,841 | 10.9% | 7.8% | £755 | 17.1% |
| Bull | £2,012 | 11.9% | 8.8% | £985 | 23.2% |
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