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Semi-Detached · 4 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
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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| 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
- £425,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 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 | £23,418 | £437,750 | £16,416 | £478 | £13,228 | 9.3% |
| Yr 3 | £24,603 | £464,409 | £17,269 | £2,709 | £42,118 | 29.5% |
| Yr 5 | £25,849 | £492,691 | £18,166 | £6,712 | £74,404 | 52.1% |
| Yr 10 | £29,245 | £571,164 | £20,612 | £25,071 | £171,235 | 119.9% |
| Yr 15 | £33,088 | £662,136 | £23,379 | £56,606 | £293,742 | 205.6% |
| Yr 20 | £37,436 | £767,597 | £26,509 | £103,048 | £445,646 | 312.0% |
| Yr 25 | £42,356 | £889,856 | £30,051 | £166,358 | £631,214 | 441.9% |
| Yr 30 | £47,922 | £1,031,587 | £34,059 | £248,751 | £855,337 | 598.8% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,659 | 4.7% | 2.9% | £-685 | -13.5% |
| Conservative | £1,815 | 5.1% | 3.5% | £-227 | -2.4% |
| Base | £1,952 | 5.5% | 3.9% | £40 | 2.4% |
| Optimistic | £2,108 | 6.0% | 4.3% | £328 | 7.8% |
| Bull | £2,303 | 6.5% | 4.8% | £651 | 14.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.51% |
| Net Yield | ●3.86% |
| Net Annual Income | £16,420 |
| Deductions: void 8% (−£1,873) · mgmt 10% (−£2,342) · maint 10% (−£2,342) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,325 |
| Monthly Cashflow (IO) | ●£43 |
| Cash-on-Cash Return | ●0.34% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,500 |
| SDLT Effective Rate | 7.65% |
| SDLT (Company) | £32,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,188 |
| SPV Annual Saving | £4,187 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £492,691 |
| Less: Purchase Price | −£425,000 |
| Less: Buying Costs (SDLT + legal) | −£35,100 |
| Less: Selling Costs (est. 2.5%) | −£12,317 |
| = CGT Net Gain (5yr) | £20,274 |
| CGT at 24% | £4,146 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,659 | 4.7% | 2.9% | £-685 | -13.5% |
| Conservative | £1,815 | 5.1% | 3.5% | £-227 | -2.4% |
| Base | £1,952 | 5.5% | 3.9% | £40 | 2.4% |
| Optimistic | £2,108 | 6.0% | 4.3% | £328 | 7.8% |
| Bull | £2,303 | 6.5% | 4.8% | £651 | 14.7% |
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