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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 21% 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
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| 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 Dartford - Building Contractors in Kent | Local ... | 01322 784014 | — |
| decorator | RSG Decorators | 07809 475337 | — |
| photographer | Harriet Buckingham Photography Photographer in Dartford | 07717 740 072 | — |
Property Details
- Asking Price
- £300,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £17,250 | £309,000 | £11,975 | £725 | £9,725 | 9.8% |
| Yr 3 | £18,123 | £327,818 | £12,604 | £3,114 | £30,932 | 31.2% |
| Yr 5 | £19,041 | £347,782 | £13,264 | £6,809 | £54,591 | 55.1% |
| Yr 10 | £21,543 | £403,175 | £15,066 | £22,196 | £125,371 | 126.5% |
| Yr 15 | £24,374 | £467,390 | £17,104 | £47,290 | £214,680 | 216.6% |
| Yr 20 | £27,577 | £541,833 | £19,410 | £83,365 | £325,198 | 328.2% |
| Yr 25 | £31,201 | £628,133 | £22,019 | £131,864 | £459,998 | 464.2% |
| Yr 30 | £35,301 | £728,179 | £24,971 | £194,422 | £622,600 | 628.3% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,222 | 4.9% | 3.0% | £-461 | -12.8% |
| Conservative | £1,337 | 5.3% | 3.6% | £-132 | -1.6% |
| Base | £1,438 | 5.8% | 4.0% | £61 | 3.2% |
| Optimistic | £1,553 | 6.2% | 4.4% | £268 | 8.6% |
| Bull | £1,697 | 6.8% | 5.0% | £503 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.75% |
| Net Yield | ●3.99% |
| Net Annual Income | £11,979 |
| Deductions: void 8% (−£1,380) · mgmt 10% (−£1,725) · maint 10% (−£1,725) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £936 |
| Monthly Cashflow (IO) | ●£62 |
| Cash-on-Cash Return | ●0.74% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,000 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £20,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £3,090 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,782 |
| Less: Purchase Price | −£300,000 |
| Less: Buying Costs (SDLT + legal) | −£22,600 |
| Less: Selling Costs (est. 2.5%) | −£8,695 |
| = CGT Net Gain (5yr) | £16,487 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,222 | 4.9% | 3.0% | £-461 | -12.8% |
| Conservative | £1,337 | 5.3% | 3.6% | £-132 | -1.6% |
| Base | £1,438 | 5.8% | 4.0% | £61 | 3.2% |
| Optimistic | £1,553 | 6.2% | 4.4% | £268 | 8.6% |
| Bull | £1,697 | 6.8% | 5.0% | £503 | 15.4% |
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