🔒 Sign in to view the address — London
Apartment · 2 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 | £2,750 |
| Bedroom 2 | £2,750 |
| 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 | Painting and Decorating London - David Banks & Company | 020 7385 9759 | — |
| photographer | London vacation photographer | 07879 455 932 | — |
Property Details
- Asking Price
- £215,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £20,468 | £221,450 | £14,292 | £6,229 | £12,679 | 18.0% |
| Yr 3 | £21,504 | £234,936 | £15,038 | £19,803 | £39,739 | 56.4% |
| Yr 5 | £22,593 | £249,244 | £15,822 | £34,925 | £69,169 | 98.3% |
| Yr 10 | £25,562 | £288,942 | £17,959 | £80,029 | £153,971 | 218.7% |
| Yr 15 | £28,921 | £334,963 | £20,378 | £136,650 | £256,613 | 364.5% |
| Yr 20 | £32,721 | £388,314 | £23,114 | £206,301 | £379,615 | 539.2% |
| Yr 25 | £37,021 | £450,162 | £26,210 | £290,694 | £525,856 | 747.0% |
| Yr 30 | £41,886 | £521,861 | £29,713 | £391,767 | £698,629 | 992.4% |
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)
4 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 | £1,450 | 8.1% | 5.1% | £32 | -2.7% |
| Conservative | £1,587 | 8.9% | 6.0% | £334 | 6.9% |
| Base | £1,706 | 9.5% | 6.6% | £519 | 11.1% |
| Optimistic | £1,842 | 10.3% | 7.4% | £722 | 16.0% |
| Bull | £2,013 | 11.2% | 8.3% | £955 | 22.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.52% |
| Net Yield | ●6.65% |
| Net Annual Income | £14,295 |
| Deductions: void 8% (−£1,637) · mgmt 10% (−£2,047) · maint 10% (−£2,047) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £671 |
| Monthly Cashflow (IO) | ●£520 |
| Cash-on-Cash Return | ●8.85% |
| 5-Year IRR | ●11.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,550 |
| SDLT Effective Rate | 5.84% |
| SDLT (Company) | £12,550 |
| Section 24 Extra Tax/yr (higher rate) | £1,613 |
| SPV Annual Saving | £3,381 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £249,244 |
| Less: Purchase Price | −£215,000 |
| Less: Buying Costs (SDLT + legal) | −£15,150 |
| Less: Selling Costs (est. 2.5%) | −£6,231 |
| = CGT Net Gain (5yr) | £12,863 |
| CGT at 24% | £2,367 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,450 | 8.1% | 5.1% | £32 | -2.7% |
| Conservative | £1,587 | 8.9% | 6.0% | £334 | 6.9% |
| Base | £1,706 | 9.5% | 6.6% | £519 | 11.1% |
| Optimistic | £1,842 | 10.3% | 7.4% | £722 | 16.0% |
| Bull | £2,013 | 11.2% | 8.3% | £955 | 22.2% |
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