🔒 Sign in to view the address — Willesborough
Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £398,000. 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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| 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 | Kent Builders Tonbridge-Based, 5-Star Rated | Free Quote | 07879 447975 | — |
| decorator | Warren James Decorating | 01732 444222 | — |
| photographer | Harriet Buckingham Photography Photographer in Tonbridge | 07717 740 072 | — |
Property Details
- Asking Price
- £425,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 sqft
- 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 | £24,310 | £437,750 | £17,058 | £1,121 | £13,871 | 9.7% |
| Yr 3 | £25,541 | £464,409 | £17,944 | £4,686 | £44,095 | 30.9% |
| Yr 5 | £26,834 | £492,691 | £18,875 | £10,090 | £77,782 | 54.4% |
| Yr 10 | £30,360 | £571,164 | £21,414 | £32,270 | £178,434 | 124.9% |
| Yr 15 | £34,349 | £662,136 | £24,287 | £68,129 | £305,265 | 213.7% |
| Yr 20 | £38,863 | £767,597 | £27,536 | £119,463 | £462,061 | 323.5% |
| Yr 25 | £43,970 | £889,856 | £31,213 | £188,308 | £653,163 | 457.2% |
| Yr 30 | £49,748 | £1,031,587 | £35,374 | £276,963 | £883,549 | 618.5% |
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 | £1,723 | 4.9% | 3.1% | £-644 | -13.0% |
| Conservative | £1,885 | 5.3% | 3.6% | £-178 | -1.9% |
| Base | £2,027 | 5.7% | 4.0% | £94 | 2.8% |
| Optimistic | £2,189 | 6.2% | 4.5% | £388 | 8.2% |
| Bull | £2,392 | 6.8% | 5.0% | £718 | 15.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.72% |
| Net Yield | ●4.02% |
| Net Annual Income | £17,068 |
| Deductions: void 8% (−£1,945) · mgmt 10% (−£2,431) · maint 10% (−£2,431) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,325 |
| Monthly Cashflow (IO) | ●£97 |
| Cash-on-Cash Return | ●0.79% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,500 |
| SDLT Effective Rate | 7.65% |
| SDLT (Company) | £32,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,188 |
| SPV Annual Saving | £4,313 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £492,691 |
| Less: Purchase Price | −£425,000 |
| Less: Buying Costs (SDLT + legal) | −£35,100 |
| Less: Selling Costs (est. 2.5%) | −£12,317 |
| = CGT Net Gain (5yr) | £20,274 |
| CGT at 24% | £4,146 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,723 | 4.9% | 3.1% | £-644 | -13.0% |
| Conservative | £1,885 | 5.3% | 3.6% | £-178 | -1.9% |
| Base | £2,027 | 5.7% | 4.0% | £94 | 2.8% |
| Optimistic | £2,189 | 6.2% | 4.5% | £388 | 8.2% |
| Bull | £2,392 | 6.8% | 5.0% | £718 | 15.0% |
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