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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 21% below the area median — limited negotiation margin. Strong value at current asking price. 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 | Painters & Decorators in London | Award-Winning | Novitas | 07825881762 | — |
| photographer | Piranha Photography: Corporate Photographer London | 020 7193 9446 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £18,304 | £226,600 | £12,734 | £4,484 | £11,084 | 15.4% |
| Yr 3 | £19,231 | £240,400 | £13,401 | £14,448 | £34,848 | 48.4% |
| Yr 5 | £20,204 | £255,040 | £14,102 | £25,798 | £60,838 | 84.5% |
| Yr 10 | £22,859 | £295,662 | £16,014 | £60,698 | £136,360 | 189.4% |
| Yr 15 | £25,863 | £342,753 | £18,176 | £105,898 | £228,651 | 317.6% |
| Yr 20 | £29,262 | £397,344 | £20,623 | £162,750 | £340,094 | 472.4% |
| Yr 25 | £33,107 | £460,631 | £23,392 | £232,786 | £473,417 | 657.5% |
| Yr 30 | £37,457 | £533,998 | £26,524 | £317,738 | £631,736 | 877.4% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,296 | 7.1% | 4.4% | £-88 | -5.9% |
| Conservative | £1,418 | 7.7% | 5.2% | £199 | 4.2% |
| Base | £1,525 | 8.3% | 5.8% | £373 | 8.6% |
| Optimistic | £1,647 | 9.0% | 6.4% | £563 | 13.7% |
| Bull | £1,800 | 9.8% | 7.3% | £781 | 20.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.32% |
| Net Yield | ●5.79% |
| Net Annual Income | £12,731 |
| Deductions: void 8% (−£1,464) · mgmt 10% (−£1,830) · maint 10% (−£1,830) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£375 |
| Cash-on-Cash Return | ●6.22% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £3,086 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,296 | 7.1% | 4.4% | £-88 | -5.9% |
| Conservative | £1,418 | 7.7% | 5.2% | £199 | 4.2% |
| Base | £1,525 | 8.3% | 5.8% | £373 | 8.6% |
| Optimistic | £1,647 | 9.0% | 6.4% | £563 | 13.7% |
| Bull | £1,800 | 9.8% | 7.3% | £781 | 20.1% |
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