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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 12% above the area median. Offers anchored to area median of £218,000. 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 | £5,550 |
| 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
- £245,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 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 | £20,482 | £252,350 | £14,302 | £5,115 | £12,465 | 15.6% |
| Yr 3 | £21,519 | £267,718 | £15,049 | £16,459 | £39,177 | 49.0% |
| Yr 5 | £22,608 | £284,022 | £15,833 | £29,353 | £68,375 | 85.5% |
| Yr 10 | £25,579 | £329,260 | £17,972 | £68,892 | £153,151 | 191.4% |
| Yr 15 | £28,941 | £381,702 | £20,392 | £119,955 | £256,657 | 320.8% |
| Yr 20 | £32,744 | £442,497 | £23,130 | £184,058 | £381,555 | 476.9% |
| Yr 25 | £37,046 | £512,976 | £26,228 | £262,913 | £530,889 | 663.6% |
| Yr 30 | £41,915 | £594,679 | £29,733 | £358,460 | £708,139 | 885.2% |
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?
📄 Lease Information
Estimated remaining lease: 98 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,450 | 7.1% | 4.4% | £-90 | -5.7% |
| Conservative | £1,587 | 7.8% | 5.3% | £231 | 4.4% |
| Base | £1,706 | 8.4% | 5.8% | £426 | 8.8% |
| Optimistic | £1,842 | 9.0% | 6.5% | £637 | 13.9% |
| Bull | £2,013 | 9.9% | 7.3% | £880 | 20.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.36% |
| Net Yield | ●5.83% |
| Net Annual Income | £14,295 |
| Deductions: void 8% (−£1,639) · mgmt 10% (−£2,048) · maint 10% (−£2,048) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£427 |
| Cash-on-Cash Return | ●6.38% |
| 5-Year IRR | ●8.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,838 |
| SPV Annual Saving | £3,437 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,450 | 7.1% | 4.4% | £-90 | -5.7% |
| Conservative | £1,587 | 7.8% | 5.3% | £231 | 4.4% |
| Base | £1,706 | 8.4% | 5.8% | £426 | 8.8% |
| Optimistic | £1,842 | 9.0% | 6.5% | £637 | 13.9% |
| Bull | £2,013 | 9.9% | 7.3% | £880 | 20.3% |
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