🔒 Sign in to view the address — Erith
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 8% above the area median. Offers anchored to area median of £346,000. 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 | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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 | 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
- £375,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £20,400 | £386,250 | £14,243 | £181 | £11,431 | 9.1% |
| Yr 3 | £21,433 | £409,773 | £14,987 | £1,652 | £36,425 | 29.1% |
| Yr 5 | £22,518 | £434,728 | £15,768 | £4,667 | £64,395 | 51.4% |
| Yr 10 | £25,477 | £503,969 | £17,898 | £19,480 | £148,449 | 118.4% |
| Yr 15 | £28,825 | £584,238 | £20,309 | £45,772 | £255,009 | 203.4% |
| Yr 20 | £32,612 | £677,292 | £23,036 | £85,050 | £387,342 | 309.0% |
| Yr 25 | £36,898 | £785,167 | £26,122 | £139,022 | £549,188 | 438.1% |
| Yr 30 | £41,747 | £910,223 | £29,613 | £209,618 | £744,841 | 594.2% |
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 — Greater London ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,445 | 4.6% | 2.9% | £-621 | -13.7% |
| Conservative | £1,581 | 5.1% | 3.4% | £-219 | -2.5% |
| Base | £1,700 | 5.4% | 3.8% | £15 | 2.4% |
| Optimistic | £1,836 | 5.9% | 4.2% | £267 | 7.8% |
| Bull | £2,006 | 6.4% | 4.8% | £550 | 14.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.44% |
| Net Yield | ●3.8% |
| Net Annual Income | £14,243 |
| Deductions: void 8% (−£1,632) · mgmt 10% (−£2,040) · maint 10% (−£2,040) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£17 |
| Cash-on-Cash Return | ●0.14% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,812 |
| SPV Annual Saving | £3,671 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,445 | 4.6% | 2.9% | £-621 | -13.7% |
| Conservative | £1,581 | 5.1% | 3.4% | £-219 | -2.5% |
| Base | £1,700 | 5.4% | 3.8% | £15 | 2.4% |
| Optimistic | £1,836 | 5.9% | 4.2% | £267 | 7.8% |
| Bull | £2,006 | 6.4% | 4.8% | £550 | 14.6% |
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