🔒 Sign in to view the address — Streatham Vale
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 17% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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 | £2,750 |
| Bedroom 2 | £2,750 |
| 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 | Gurra Construction | 07452 804995 | — |
| decorator | Painters & Decorators | Southwest London | 07594038923 | — |
| photographer | Serena Bolton Photography | 07415 792499 | — |
Property Details
- Asking Price
- £475,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 2 | — | — | — | — |
| Sector sale 8 | Terraced | 2 | — | — | — | — |
| Sector sale 9 | Terraced | 3 | — | — | — | — |
| Sector sale 10 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,481 |
| ICR (actual) | 1.58x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 113% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £475,000 |
| Deposit (25% — 75% LTV) | £118,750 |
| SDLT (additional property, 5% surcharge) | £37,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £159,249 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £475,000 | Loan (75% LTV) | £356,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,633 |
| Rent needed (1.5×) | £2,449/mo | Estimated rent | £2,338/mo |
| Stress ratio | 1.43× (need ≥ 1.5×) £111 shortfall | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £575,000 |
| 75% remortgage | £431,250 |
| Cash left in deal | £61,150 (55% recycled) |
| Est. BTL cashflow | £-276/mo |
| Gross margin | +£100,000 |
| Reno cost (est.) | –£17,400 |
| Buy + sell costs | –£49,725 |
| Net profit | +£32,875 (24.1% ROI) |
| SA gross/mo | £2,234 |
| SA net/mo | £1,816 |
| BTL est./mo | £2,339 |
| SA vs BTL uplift | £-105/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £511,523 | +£36,523 | £138,055 | +£19,305 (4.1%) |
| 5 years | £537,419 | +£62,419 | £157,347 | +£38,597 (8.1%) |
| 7 years | £564,626 | +£89,626 | £177,616 | +£58,866 (12.4%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
Finance This Investment
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📈 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 | £28,072 | £489,250 | £19,767 | £1,955 | £16,205 | 10.1% |
| Yr 3 | £29,494 | £519,045 | £20,790 | £7,393 | £51,438 | 32.1% |
| Yr 5 | £30,987 | £550,655 | £21,865 | £14,954 | £90,610 | 56.5% |
| Yr 10 | £35,059 | £638,360 | £24,797 | £43,870 | £207,230 | 129.2% |
| Yr 15 | £39,666 | £740,035 | £28,114 | £88,581 | £353,616 | 220.5% |
| Yr 20 | £44,878 | £857,903 | £31,867 | £151,164 | £534,067 | 333.1% |
| Yr 25 | £50,775 | £994,545 | £36,113 | £233,966 | £753,511 | 469.9% |
| Yr 30 | £57,448 | £1,152,950 | £40,917 | £339,645 | £1,017,595 | 634.6% |
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 | £1,987 | 5.0% | 3.2% | £-675 | -12.5% |
| Conservative | £2,174 | 5.5% | 3.8% | £-148 | -1.6% |
| Base | £2,338 | 5.9% | 4.2% | £162 | 3.2% |
| Optimistic | £2,525 | 6.4% | 4.6% | £496 | 8.5% |
| Bull | £2,759 | 7.0% | 5.2% | £872 | 15.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.91% |
| Net Yield | ●4.16% |
| Net Annual Income | £19,755 |
| Deductions: void 8% (−£2,246) · mgmt 10% (−£2,807) · maint 10% (−£2,807) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,481 |
| Monthly Cashflow (IO) | ●£165 |
| Cash-on-Cash Return | ●1.21% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £37,500 |
| SDLT Effective Rate | 7.89% |
| SDLT (Company) | £37,500 |
| Section 24 Extra Tax/yr (higher rate) | £3,562 |
| SPV Annual Saving | £4,929 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £550,655 |
| Less: Purchase Price | −£475,000 |
| Less: Buying Costs (SDLT + legal) | −£40,100 |
| Less: Selling Costs (est. 2.5%) | −£13,766 |
| = CGT Net Gain (5yr) | £21,789 |
| CGT at 24% | £4,509 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,987 | 5.0% | 3.2% | £-675 | -12.5% |
| Conservative | £2,174 | 5.5% | 3.8% | £-148 | -1.6% |
| Base | £2,338 | 5.9% | 4.2% | £162 | 3.2% |
| Optimistic | £2,525 | 6.4% | 4.6% | £496 | 8.5% |
| Bull | £2,759 | 7.0% | 5.2% | £872 | 15.3% |
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