🔒 Sign in to view the address
Ground Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 34% 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
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Building Contractors Croydon and London | 07908 178500 | — |
| decorator | Hynon Painters & Decorators | Croydon, Surrey, London ... | 05130720902 | — |
| photographer | Harriet Buckingham Photography Photographer in Croydon | 07717 740 072 | — |
Property Details
- Asking Price
- £160,000
- Property Type
- Ground Flat
- 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 | £19,824 | £164,800 | £13,828 | £7,828 | £12,628 | 23.9% |
| Yr 3 | £20,828 | £174,836 | £14,551 | £24,564 | £39,401 | 74.6% |
| Yr 5 | £21,882 | £185,484 | £15,310 | £42,800 | £68,284 | 129.3% |
| Yr 10 | £24,757 | £215,027 | £17,380 | £95,459 | £150,486 | 285.0% |
| Yr 15 | £28,011 | £249,275 | £19,723 | £159,272 | £248,547 | 470.7% |
| Yr 20 | £31,692 | £288,978 | £22,373 | £235,706 | £364,684 | 690.7% |
| Yr 25 | £35,856 | £335,004 | £25,371 | £326,418 | £501,423 | 949.7% |
| Yr 30 | £40,568 | £388,362 | £28,764 | £433,286 | £661,648 | 1253.1% |
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: 991 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,404 | 10.5% | 6.6% | £226 | 4.2% |
| Conservative | £1,536 | 11.5% | 7.8% | £488 | 12.9% |
| Base | £1,652 | 12.4% | 8.6% | £652 | 16.8% |
| Optimistic | £1,784 | 13.4% | 9.6% | £833 | 21.3% |
| Bull | £1,949 | 14.6% | 10.8% | £1,044 | 27.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.39% |
| Net Yield | ●8.64% |
| Net Annual Income | £13,828 |
| Deductions: void 8% (−£1,586) · mgmt 10% (−£1,982) · maint 10% (−£1,982) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£653 |
| Cash-on-Cash Return | ●14.83% |
| 5-Year IRR | ●16.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £3,187 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,404 | 10.5% | 6.6% | £226 | 4.2% |
| Conservative | £1,536 | 11.5% | 7.8% | £488 | 12.9% |
| Base | £1,652 | 12.4% | 8.6% | £652 | 16.8% |
| Optimistic | £1,784 | 13.4% | 9.6% | £833 | 21.3% |
| Bull | £1,949 | 14.6% | 10.8% | £1,044 | 27.1% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →