🔒 Sign in to view the address — Chatham
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £267,000. 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 | £1,550 |
| Bedroom 2 | £1,550 |
| Bedroom 3 | £1,550 |
| 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
- £285,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £16,102 | £293,550 | £11,149 | £461 | £9,011 | 9.6% |
| Yr 3 | £16,918 | £311,427 | £11,736 | £2,261 | £28,688 | 30.6% |
| Yr 5 | £17,774 | £330,393 | £12,352 | £5,278 | £50,671 | 54.0% |
| Yr 10 | £20,110 | £383,016 | £14,034 | £18,565 | £116,581 | 124.2% |
| Yr 15 | £22,752 | £444,021 | £15,937 | £40,912 | £199,932 | 213.0% |
| Yr 20 | £25,742 | £514,742 | £18,089 | £73,510 | £303,251 | 323.1% |
| Yr 25 | £29,125 | £596,727 | £20,525 | £117,706 | £429,432 | 457.6% |
| Yr 30 | £32,952 | £691,770 | £23,281 | £175,024 | £581,794 | 619.9% |
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 | £1,140 | 4.8% | 3.0% | £-454 | -13.0% |
| Conservative | £1,247 | 5.3% | 3.5% | £-144 | -1.8% |
| Base | £1,341 | 5.6% | 3.9% | £38 | 3.0% |
| Optimistic | £1,448 | 6.1% | 4.4% | £233 | 8.5% |
| Bull | £1,582 | 6.7% | 4.9% | £453 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.65% |
| Net Yield | ●3.91% |
| Net Annual Income | £11,141 |
| Deductions: void 8% (−£1,288) · mgmt 10% (−£1,610) · maint 10% (−£1,610) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £889 |
| Monthly Cashflow (IO) | ●£39 |
| Cash-on-Cash Return | ●0.48% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,500 |
| SDLT Effective Rate | 6.49% |
| SDLT (Company) | £18,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,138 |
| SPV Annual Saving | £2,899 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £330,393 |
| Less: Purchase Price | −£285,000 |
| Less: Buying Costs (SDLT + legal) | −£21,100 |
| Less: Selling Costs (est. 2.5%) | −£8,260 |
| = CGT Net Gain (5yr) | £16,033 |
| CGT at 24% | £3,128 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,140 | 4.8% | 3.0% | £-454 | -13.0% |
| Conservative | £1,247 | 5.3% | 3.5% | £-144 | -1.8% |
| Base | £1,341 | 5.6% | 3.9% | £38 | 3.0% |
| Optimistic | £1,448 | 6.1% | 4.4% | £233 | 8.5% |
| Bull | £1,582 | 6.7% | 4.9% | £453 | 15.3% |
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