🔒 Sign in to view the address — London
Flat · 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
- £249,950
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 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 | £20,471 | £257,448 | £14,294 | £4,921 | £12,419 | 15.2% |
| Yr 3 | £21,507 | £273,127 | £15,040 | £15,877 | £39,055 | 47.9% |
| Yr 5 | £22,596 | £289,761 | £15,824 | £28,383 | £68,193 | 83.6% |
| Yr 10 | £25,565 | £335,912 | £17,962 | £66,946 | £152,908 | 187.4% |
| Yr 15 | £28,925 | £389,414 | £20,381 | £117,028 | £256,492 | 314.4% |
| Yr 20 | £32,726 | £451,438 | £23,118 | £180,142 | £381,629 | 467.8% |
| Yr 25 | £37,026 | £523,340 | £26,214 | £258,000 | £531,390 | 651.3% |
| Yr 30 | £41,892 | £606,694 | £29,717 | £352,540 | £709,285 | 869.4% |
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)
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?
📄 Lease Information
Estimated remaining lease: 84 years. Below 85 years — approaching mortgage threshold; consider a lease extension.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,450 | 7.0% | 4.3% | £-110 | -6.1% |
| Conservative | £1,587 | 7.6% | 5.2% | £214 | 4.0% |
| Base | £1,706 | 8.2% | 5.7% | £410 | 8.5% |
| Optimistic | £1,842 | 8.8% | 6.4% | £623 | 13.6% |
| Bull | £2,013 | 9.7% | 7.2% | £868 | 20.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.19% |
| Net Yield | ●5.72% |
| Net Annual Income | £14,295 |
| Deductions: void 8% (−£1,638) · mgmt 10% (−£2,047) · maint 10% (−£2,047) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£411 |
| Cash-on-Cash Return | ●6.03% |
| 5-Year IRR | ●8.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,996 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £14,996 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £3,446 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,761 |
| Less: Purchase Price | −£249,950 |
| Less: Buying Costs (SDLT + legal) | −£17,596 |
| Less: Selling Costs (est. 2.5%) | −£7,244 |
| = CGT Net Gain (5yr) | £14,971 |
| CGT at 24% | £2,873 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,450 | 7.0% | 4.3% | £-110 | -6.1% |
| Conservative | £1,587 | 7.6% | 5.2% | £214 | 4.0% |
| Base | £1,706 | 8.2% | 5.7% | £410 | 8.5% |
| Optimistic | £1,842 | 8.8% | 6.4% | £623 | 13.6% |
| Bull | £2,013 | 9.7% | 7.2% | £868 | 20.0% |
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