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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 40% above the area median. Offers anchored to area median of £163,000. 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
- £230,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £13,708 | £236,900 | £9,425 | £800 | £7,700 | 10.2% |
| Yr 3 | £14,402 | £251,327 | £9,924 | £3,146 | £24,473 | 32.5% |
| Yr 5 | £15,131 | £266,633 | £10,449 | £6,529 | £43,162 | 57.4% |
| Yr 10 | £17,119 | £309,101 | £11,881 | £19,875 | £98,975 | 131.6% |
| Yr 15 | £19,369 | £358,333 | £13,501 | £40,934 | £169,266 | 225.1% |
| Yr 20 | £21,914 | £415,406 | £15,333 | £70,720 | £256,125 | 340.6% |
| Yr 25 | £24,794 | £481,569 | £17,407 | £110,379 | £361,948 | 481.3% |
| Yr 30 | £28,052 | £558,270 | £19,753 | £161,209 | £489,480 | 650.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — South East England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 237 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £971 | 5.1% | 3.1% | £-341 | -12.2% |
| Conservative | £1,062 | 5.5% | 3.7% | £-84 | -1.0% |
| Base | £1,142 | 6.0% | 4.1% | £66 | 3.7% |
| Optimistic | £1,233 | 6.4% | 4.6% | £229 | 9.1% |
| Bull | £1,348 | 7.0% | 5.1% | £412 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.96% |
| Net Yield | ●4.1% |
| Net Annual Income | £9,422 |
| Deductions: void 8% (−£1,097) · mgmt 10% (−£1,371) · maint 10% (−£1,371) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£68 |
| Cash-on-Cash Return | ●1.06% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £2,461 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £971 | 5.1% | 3.1% | £-341 | -12.2% |
| Conservative | £1,062 | 5.5% | 3.7% | £-84 | -1.0% |
| Base | £1,142 | 6.0% | 4.1% | £66 | 3.7% |
| Optimistic | £1,233 | 6.4% | 4.6% | £229 | 9.1% |
| Bull | £1,348 | 7.0% | 5.1% | £412 | 15.9% |
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