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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · London rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £5,550 |
| Entrance Hall | £550 |
| Total Estimated Refurb | £17,400 |
⚠ 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 | Home Builder London Ltd: Building & Renovation Services | 07473 463936 | — |
| decorator | Painters & Decorators in London | Award-Winning | Novitas | 07825881762 | — |
| photographer | Piranha Photography: Corporate Photographer London | 020 7193 9446 | — |
Property Details
- Asking Price
- £245,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 sqft (est.)
- 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 | £18,252 | £252,350 | £12,697 | £3,509 | £10,859 | 13.6% |
| Yr 3 | £19,177 | £267,718 | £13,362 | £11,522 | £34,240 | 42.8% |
| Yr 5 | £20,147 | £284,022 | £14,061 | £20,915 | £59,937 | 74.9% |
| Yr 10 | £22,795 | £329,260 | £15,967 | £50,908 | £135,167 | 169.0% |
| Yr 15 | £25,790 | £381,702 | £18,124 | £91,170 | £227,872 | 284.8% |
| Yr 20 | £29,179 | £442,497 | £20,564 | £143,053 | £340,550 | 425.7% |
| Yr 25 | £33,014 | £512,976 | £23,325 | £208,082 | £476,058 | 595.1% |
| Yr 30 | £37,352 | £594,679 | £26,448 | £287,986 | £637,665 | 797.1% |
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: 121 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,294 | 6.3% | 3.9% | £-191 | -8.1% |
| Conservative | £1,415 | 6.9% | 4.7% | £112 | 2.4% |
| Base | £1,522 | 7.5% | 5.2% | £293 | 6.9% |
| Optimistic | £1,644 | 8.1% | 5.8% | £490 | 12.1% |
| Bull | £1,796 | 8.8% | 6.5% | £715 | 18.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.45% |
| Net Yield | ●5.19% |
| Net Annual Income | £12,705 |
| Deductions: void 8% (−£1,460) · mgmt 10% (−£1,825) · maint 10% (−£1,825) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£295 |
| Cash-on-Cash Return | ●4.4% |
| 5-Year IRR | ●6.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,838 |
| SPV Annual Saving | £3,128 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,294 | 6.3% | 3.9% | £-191 | -8.1% |
| Conservative | £1,415 | 6.9% | 4.7% | £112 | 2.4% |
| Base | £1,522 | 7.5% | 5.2% | £293 | 6.9% |
| Optimistic | £1,644 | 8.1% | 5.8% | £490 | 12.1% |
| Bull | £1,796 | 8.8% | 6.5% | £715 | 18.7% |
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