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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 12% 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
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 | £4,800 |
| 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
- £140,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £10,794 | £144,200 | £7,327 | £2,077 | £6,277 | 13.5% |
| Yr 3 | £11,340 | £152,982 | £7,720 | £6,818 | £19,800 | 42.7% |
| Yr 5 | £11,915 | £162,298 | £8,133 | £12,376 | £34,674 | 74.7% |
| Yr 10 | £13,480 | £188,148 | £9,261 | £30,119 | £78,267 | 168.7% |
| Yr 15 | £15,252 | £218,115 | £10,536 | £53,936 | £132,052 | 284.6% |
| Yr 20 | £17,256 | £252,856 | £11,979 | £84,625 | £197,480 | 425.6% |
| Yr 25 | £19,523 | £293,129 | £13,612 | £123,088 | £276,217 | 595.3% |
| Yr 30 | £22,089 | £339,817 | £15,459 | £170,348 | £370,165 | 797.8% |
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
View all planning applications on your dashboard →
● 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 | £764 | 6.5% | 3.9% | £-109 | -8.2% |
| Conservative | £836 | 7.2% | 4.7% | £67 | 2.3% |
| Base | £899 | 7.7% | 5.2% | £173 | 6.8% |
| Optimistic | £971 | 8.3% | 5.8% | £288 | 12.0% |
| Bull | £1,061 | 9.1% | 6.6% | £419 | 18.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.71% |
| Net Yield | ●5.23% |
| Net Annual Income | £7,322 |
| Deductions: void 8% (−£864) · mgmt 10% (−£1,079) · maint 10% (−£1,079) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£173 |
| Cash-on-Cash Return | ●4.47% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £1,884 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £764 | 6.5% | 3.9% | £-109 | -8.2% |
| Conservative | £836 | 7.2% | 4.7% | £67 | 2.3% |
| Base | £899 | 7.7% | 5.2% | £173 | 6.8% |
| Optimistic | £971 | 8.3% | 5.8% | £288 | 12.0% |
| Bull | £1,061 | 9.1% | 6.6% | £419 | 18.4% |
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