🔒 Sign in to view the address — Chatham
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 49% above the area median. Offers anchored to area median of £167,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,800 |
| Bathroom | £3,500 |
| Living Room | £2,050 |
| Master Bedroom | £2,400 |
| Bedroom 2 | £2,400 |
| Entrance Hall | £500 |
| Total Estimated Refurb | £15,000 |
⚠ 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 in Rochester, Kent: City Way Construction | 07979 510371 | — |
| decorator | WR Decorating: Painters and Decorators Medway | Decorating ... | +44-1634-510-221 | — |
| photographer | Medway Wedding Photographer - Moment Photography | 0220908-1916 | — |
Property Details
- Asking Price
- £250,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £13,700 | £257,500 | £9,419 | £44 | £7,544 | 9.2% |
| Yr 3 | £14,394 | £273,182 | £9,918 | £878 | £24,060 | 29.5% |
| Yr 5 | £15,122 | £289,819 | £10,443 | £2,748 | £42,567 | 52.2% |
| Yr 10 | £17,109 | £335,979 | £11,874 | £12,310 | £98,289 | 120.5% |
| Yr 15 | £19,358 | £389,492 | £13,493 | £29,581 | £169,072 | 207.2% |
| Yr 20 | £21,902 | £451,528 | £15,324 | £55,573 | £257,100 | 315.1% |
| Yr 25 | £24,780 | £523,444 | £17,396 | £91,432 | £364,877 | 447.2% |
| Yr 30 | £28,036 | £606,816 | £19,741 | £138,456 | £495,272 | 607.0% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £971 | 4.7% | 2.9% | £-422 | -13.4% |
| Conservative | £1,062 | 5.1% | 3.4% | £-153 | -2.0% |
| Base | £1,142 | 5.5% | 3.8% | £4 | 2.8% |
| Optimistic | £1,233 | 5.9% | 4.2% | £172 | 8.3% |
| Bull | £1,348 | 6.5% | 4.7% | £362 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.48% |
| Net Yield | ●3.77% |
| Net Annual Income | £9,422 |
| Deductions: void 8% (−£1,096) · mgmt 10% (−£1,370) · maint 10% (−£1,370) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£5 |
| Cash-on-Cash Return | ●0.06% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £2,498 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £971 | 4.7% | 2.9% | £-422 | -13.4% |
| Conservative | £1,062 | 5.1% | 3.4% | £-153 | -2.0% |
| Base | £1,142 | 5.5% | 3.8% | £4 | 2.8% |
| Optimistic | £1,233 | 5.9% | 4.2% | £172 | 8.3% |
| Bull | £1,348 | 6.5% | 4.7% | £362 | 15.2% |
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