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Apartment · 1 bed
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Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £262,000. 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 Services Ilford, IG1 - Rob The Builder | 020 3952 3265 | — |
| decorator | Painter and decorator Ilford, Loxford, IG1. Call Now 020 8719 0128. | 02087190128 | — |
| photographer | AD Photo Studio | 020 8478 6454 | — |
Property Details
- Asking Price
- £275,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- 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 | £16,418 | £283,250 | £11,376 | £1,063 | £9,313 | 10.3% |
| Yr 3 | £17,249 | £300,500 | £11,974 | £4,083 | £29,583 | 32.7% |
| Yr 5 | £18,122 | £318,800 | £12,603 | £8,345 | £52,146 | 57.7% |
| Yr 10 | £20,503 | £369,577 | £14,317 | £24,856 | £119,433 | 132.2% |
| Yr 15 | £23,197 | £428,441 | £16,257 | £50,604 | £204,045 | 225.8% |
| Yr 20 | £26,246 | £496,681 | £18,452 | £86,803 | £308,484 | 341.4% |
| Yr 25 | £29,695 | £575,789 | £20,935 | £134,828 | £435,617 | 482.1% |
| Yr 30 | £33,597 | £667,497 | £23,745 | £196,231 | £588,728 | 651.6% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — Greater London ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 998 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,162 | 5.1% | 3.1% | £-399 | -12.2% |
| Conservative | £1,271 | 5.5% | 3.7% | £-92 | -1.0% |
| Base | £1,367 | 6.0% | 4.1% | £88 | 3.7% |
| Optimistic | £1,476 | 6.4% | 4.6% | £282 | 9.1% |
| Bull | £1,613 | 7.0% | 5.2% | £501 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.97% |
| Net Yield | ●4.13% |
| Net Annual Income | £11,366 |
| Deductions: void 8% (−£1,313) · mgmt 10% (−£1,642) · maint 10% (−£1,642) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £858 |
| Monthly Cashflow (IO) | ●£89 |
| Cash-on-Cash Return | ●1.17% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,500 |
| SDLT Effective Rate | 6.36% |
| SDLT (Company) | £17,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,062 |
| SPV Annual Saving | £2,924 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £318,800 |
| Less: Purchase Price | −£275,000 |
| Less: Buying Costs (SDLT + legal) | −£20,100 |
| Less: Selling Costs (est. 2.5%) | −£7,970 |
| = CGT Net Gain (5yr) | £15,730 |
| CGT at 24% | £3,055 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,162 | 5.1% | 3.1% | £-399 | -12.2% |
| Conservative | £1,271 | 5.5% | 3.7% | £-92 | -1.0% |
| Base | £1,367 | 6.0% | 4.1% | £88 | 3.7% |
| Optimistic | £1,476 | 6.4% | 4.6% | £282 | 9.1% |
| Bull | £1,613 | 7.0% | 5.2% | £501 | 15.9% |
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