🔒 Sign in to view the address — DAGENHAM
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 14% above the area median. Offers anchored to area median of £236,000. 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 | M Cole Builders: Builders | Building Services | Romford | 01708 755771 | — |
| decorator | Painters and Decorators Romford | Byron Quality Decorators | 01708 378 624 | — |
| photographer | Essex Wedding Photographer | Natural Wedding Photography | 07887 517 536 | — |
Property Details
- Asking Price
- £270,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- 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 | £20,466 | £278,100 | £14,291 | £4,166 | £12,266 | 13.8% |
| Yr 3 | £21,502 | £295,036 | £15,037 | £13,611 | £38,647 | 43.6% |
| Yr 5 | £22,591 | £313,004 | £15,820 | £24,605 | £67,609 | 76.3% |
| Yr 10 | £25,559 | £362,857 | £17,958 | £59,388 | £152,245 | 171.8% |
| Yr 15 | £28,918 | £420,651 | £20,376 | £105,686 | £256,337 | 289.3% |
| Yr 20 | £32,718 | £487,650 | £23,112 | £165,014 | £382,664 | 431.9% |
| Yr 25 | £37,017 | £565,320 | £26,208 | £239,082 | £534,402 | 603.2% |
| Yr 30 | £41,882 | £655,361 | £29,710 | £329,829 | £715,190 | 807.2% |
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)
1 planning application 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 | £1,449 | 6.4% | 4.0% | £-192 | -7.8% |
| Conservative | £1,586 | 7.0% | 4.8% | £145 | 2.6% |
| Base | £1,705 | 7.6% | 5.3% | £347 | 7.1% |
| Optimistic | £1,841 | 8.2% | 5.9% | £566 | 12.3% |
| Bull | £2,012 | 8.9% | 6.6% | £817 | 18.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.58% |
| Net Yield | ●5.29% |
| Net Annual Income | £14,286 |
| Deductions: void 8% (−£1,637) · mgmt 10% (−£2,047) · maint 10% (−£2,047) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£348 |
| Cash-on-Cash Return | ●4.7% |
| 5-Year IRR | ●7.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £3,482 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,449 | 6.4% | 4.0% | £-192 | -7.8% |
| Conservative | £1,586 | 7.0% | 4.8% | £145 | 2.6% |
| Base | £1,705 | 7.6% | 5.3% | £347 | 7.1% |
| Optimistic | £1,841 | 8.2% | 5.9% | £566 | 12.3% |
| Bull | £2,012 | 8.9% | 6.6% | £817 | 18.8% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →