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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 25% 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) · East of England rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,400 |
| Bathroom | £3,250 |
| Living Room | £1,950 |
| Master Bedroom | £4,400 |
| Entrance Hall | £450 |
| Total Estimated Refurb | £13,799 |
⚠ 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 | AM Builders (Luton) Ltd: Commercial Building & Maintenance | 01582 655593 | — |
| decorator | IATD Bespoke Decorating | 07772 880082 | — |
| photographer | Oakley Studios: Luton Photography Studio | Portraits, Families ... | 01582 491499 | — |
Property Details
- Asking Price
- £130,000
- Property Type
- Flat
- 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 | £10,751 | £133,900 | £7,296 | £2,421 | £6,321 | 14.6% |
| Yr 3 | £11,295 | £142,055 | £7,688 | £7,848 | £19,902 | 46.1% |
| Yr 5 | £11,867 | £150,706 | £8,099 | £14,088 | £34,793 | 80.5% |
| Yr 10 | £13,427 | £174,709 | £9,222 | £33,522 | £78,231 | 181.1% |
| Yr 15 | £15,191 | £202,536 | £10,492 | £59,006 | £131,542 | 304.5% |
| Yr 20 | £17,187 | £234,794 | £11,930 | £91,334 | £196,129 | 454.0% |
| Yr 25 | £19,446 | £272,191 | £13,556 | £131,406 | £273,597 | 633.3% |
| Yr 30 | £22,001 | £315,544 | £15,396 | £180,239 | £365,783 | 846.7% |
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 — East of England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 79 years. Below 85 years — approaching mortgage threshold; consider a lease extension.
| Item | Value |
|---|---|
| Current value (short lease) | £130,000 |
| Est. freehold / extended value | £136,842 |
| Marriage value (50% to freeholder) | £3,421 |
| Est. total extension cost | £3,763 |
| Potential uplift (after extending) | £3,079 |
Estimates based on Savills/RICS relativity tables. Seek a professional lease extension valuation before proceeding.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £762 | 7.0% | 4.2% | £-70 | -6.8% |
| Conservative | £833 | 7.7% | 5.0% | £99 | 3.5% |
| Base | £896 | 8.3% | 5.6% | £202 | 7.9% |
| Optimistic | £968 | 8.9% | 6.3% | £313 | 12.9% |
| Bull | £1,057 | 9.8% | 7.1% | £441 | 19.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.27% |
| Net Yield | ●5.61% |
| Net Annual Income | £7,296 |
| Deductions: void 8% (−£860) · mgmt 10% (−£1,075) · maint 10% (−£1,075) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£203 |
| Cash-on-Cash Return | ●5.6% |
| 5-Year IRR | ●7.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,861 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £762 | 7.0% | 4.2% | £-70 | -6.8% |
| Conservative | £833 | 7.7% | 5.0% | £99 | 3.5% |
| Base | £896 | 8.3% | 5.6% | £202 | 7.9% |
| Optimistic | £968 | 8.9% | 6.3% | £313 | 12.9% |
| Bull | £1,057 | 9.8% | 7.1% | £441 | 19.3% |
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