🔒 Sign in to view the address — Erith
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. 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 | £5,450 |
| Bathroom | £4,000 |
| Living Room | £2,350 |
| Hallway / Stairs | £900 |
| Master Bedroom | £1,800 |
| Bedroom 2 | £1,800 |
| Bedroom 3 | £1,800 |
| 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 | Builders Dartford - Building Contractors in Kent | Local ... | 01322 784014 | — |
| decorator | RSG Decorators | 07809 475337 | — |
| photographer | Harriet Buckingham Photography Photographer in Dartford | 07717 740 072 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £19,810 | £360,500 | £13,818 | £693 | £11,193 | 9.6% |
| Yr 3 | £20,813 | £382,454 | £14,540 | £3,158 | £35,613 | 30.5% |
| Yr 5 | £21,867 | £405,746 | £15,299 | £7,122 | £62,868 | 53.9% |
| Yr 10 | £24,740 | £470,371 | £17,368 | £24,096 | £144,467 | 123.9% |
| Yr 15 | £27,991 | £545,289 | £19,709 | £52,217 | £247,505 | 212.3% |
| Yr 20 | £31,669 | £632,139 | £22,357 | £92,949 | £375,087 | 321.7% |
| Yr 25 | £35,831 | £732,822 | £25,353 | £147,949 | £530,771 | 455.2% |
| Yr 30 | £40,539 | £849,542 | £28,743 | £219,093 | £718,635 | 616.3% |
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 | £1,402 | 4.8% | 3.0% | £-547 | -13.1% |
| Conservative | £1,534 | 5.3% | 3.6% | £-166 | -1.9% |
| Base | £1,650 | 5.7% | 3.9% | £57 | 2.9% |
| Optimistic | £1,782 | 6.1% | 4.4% | £297 | 8.3% |
| Bull | £1,947 | 6.7% | 4.9% | £568 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.66% |
| Net Yield | ●3.95% |
| Net Annual Income | £13,811 |
| Deductions: void 8% (−£1,585) · mgmt 10% (−£1,981) · maint 10% (−£1,981) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£59 |
| Cash-on-Cash Return | ●0.59% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,539 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,402 | 4.8% | 3.0% | £-547 | -13.1% |
| Conservative | £1,534 | 5.3% | 3.6% | £-166 | -1.9% |
| Base | £1,650 | 5.7% | 3.9% | £57 | 2.9% |
| Optimistic | £1,782 | 6.1% | 4.4% | £297 | 8.3% |
| Bull | £1,947 | 6.7% | 4.9% | £568 | 15.1% |
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