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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 14% below the area median — some negotiation possible but limited margin. 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 | £1,300 |
| Bedroom 2 | £1,300 |
| 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 | Painters & Decorators in London | Award-Winning | Novitas | 07825881762 | — |
| photographer | Piranha Photography: Corporate Photographer London | 020 7193 9446 | — |
Property Details
- Asking Price
- £240,000
- Property Type
- Flat
- Bedrooms
- 2
- 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 | £18,288 | £247,200 | £12,722 | £3,722 | £10,922 | 13.9% |
| Yr 3 | £19,214 | £262,254 | £13,389 | £12,163 | £34,417 | 43.9% |
| Yr 5 | £20,187 | £278,226 | £14,089 | £21,987 | £60,213 | 76.8% |
| Yr 10 | £22,839 | £322,540 | £15,999 | £53,069 | £135,609 | 173.0% |
| Yr 15 | £25,840 | £373,912 | £18,160 | £94,441 | £228,353 | 291.3% |
| Yr 20 | £29,236 | £433,467 | £20,605 | £147,456 | £340,922 | 434.8% |
| Yr 25 | £33,078 | £502,507 | £23,371 | £213,643 | £476,149 | 607.3% |
| Yr 30 | £37,425 | £582,543 | £26,501 | £294,733 | £637,276 | 812.9% |
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)
2 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: 130 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,296 | 6.5% | 4.0% | £-170 | -7.7% |
| Conservative | £1,418 | 7.1% | 4.8% | £131 | 2.7% |
| Base | £1,525 | 7.6% | 5.3% | £311 | 7.3% |
| Optimistic | £1,647 | 8.2% | 5.9% | £507 | 12.4% |
| Bull | £1,800 | 9.0% | 6.7% | £731 | 18.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.62% |
| Net Yield | ●5.3% |
| Net Annual Income | £12,731 |
| Deductions: void 8% (−£1,463) · mgmt 10% (−£1,829) · maint 10% (−£1,829) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £748 |
| Monthly Cashflow (IO) | ●£313 |
| Cash-on-Cash Return | ●4.76% |
| 5-Year IRR | ●7.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,300 |
| SDLT Effective Rate | 5.96% |
| SDLT (Company) | £14,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,800 |
| SPV Annual Saving | £3,123 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £278,226 |
| Less: Purchase Price | −£240,000 |
| Less: Buying Costs (SDLT + legal) | −£16,900 |
| Less: Selling Costs (est. 2.5%) | −£6,956 |
| = CGT Net Gain (5yr) | £14,370 |
| CGT at 24% | £2,729 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,296 | 6.5% | 4.0% | £-170 | -7.7% |
| Conservative | £1,418 | 7.1% | 4.8% | £131 | 2.7% |
| Base | £1,525 | 7.6% | 5.3% | £311 | 7.3% |
| Optimistic | £1,647 | 8.2% | 5.9% | £507 | 12.4% |
| Bull | £1,800 | 9.0% | 6.7% | £731 | 18.9% |
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