🔒 Sign in to view the address — Gravesend
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £427,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| Total Estimated Refurb | £15,000 |
⚠ 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
- £450,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £24,615 | £463,500 | £17,278 | £403 | £13,903 | 9.2% |
| Yr 3 | £25,861 | £491,727 | £18,175 | £2,549 | £44,276 | 29.2% |
| Yr 5 | £27,170 | £521,673 | £19,118 | £6,557 | £78,230 | 51.6% |
| Yr 10 | £30,741 | £604,762 | £21,688 | £25,355 | £180,118 | 118.8% |
| Yr 15 | £34,780 | £701,085 | £24,597 | £58,004 | £309,089 | 203.9% |
| Yr 20 | £39,351 | £812,750 | £27,888 | £106,323 | £469,073 | 309.4% |
| Yr 25 | £44,522 | £942,200 | £31,611 | £172,371 | £664,571 | 438.4% |
| Yr 30 | £50,372 | £1,092,268 | £35,823 | £258,479 | £900,747 | 594.2% |
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
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● 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 | £1,744 | 4.7% | 2.9% | £-731 | -13.7% |
| Conservative | £1,908 | 5.1% | 3.5% | £-248 | -2.5% |
| Base | £2,052 | 5.5% | 3.8% | £34 | 2.3% |
| Optimistic | £2,216 | 5.9% | 4.3% | £337 | 7.7% |
| Bull | £2,421 | 6.5% | 4.8% | £678 | 14.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.47% |
| Net Yield | ●3.84% |
| Net Annual Income | £17,284 |
| Deductions: void 8% (−£1,969) · mgmt 10% (−£2,462) · maint 10% (−£2,462) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,403 |
| Monthly Cashflow (IO) | ●£37 |
| Cash-on-Cash Return | ●0.27% |
| 5-Year IRR | ●2.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £35,000 |
| SDLT Effective Rate | 7.78% |
| SDLT (Company) | £35,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,375 |
| SPV Annual Saving | £4,403 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £521,673 |
| Less: Purchase Price | −£450,000 |
| Less: Buying Costs (SDLT + legal) | −£37,600 |
| Less: Selling Costs (est. 2.5%) | −£13,042 |
| = CGT Net Gain (5yr) | £21,031 |
| CGT at 24% | £4,328 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,744 | 4.7% | 2.9% | £-731 | -13.7% |
| Conservative | £1,908 | 5.1% | 3.5% | £-248 | -2.5% |
| Base | £2,052 | 5.5% | 3.8% | £34 | 2.3% |
| Optimistic | £2,216 | 5.9% | 4.3% | £337 | 7.7% |
| Bull | £2,421 | 6.5% | 4.8% | £678 | 14.6% |
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