🔒 Sign in to view the address — Bletchley
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £170,000. 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 | £4,800 |
| Bathroom | £3,500 |
| Living Room | £2,050 |
| Master Bedroom | £2,400 |
| Bedroom 2 | £2,400 |
| Entrance Hall | £500 |
| 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 | R Cunningham Builders | Trusted Builders in Milton Keynes | 01908 263554 | — |
| decorator | ASR Painters and Decorators | Expert Painting & Decorating ... | 07860207718 | — |
| photographer | Photography Studio Milton Keynes | 01908 399140 | — |
Property Details
- Asking Price
- £185,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £14,412 | £190,550 | £9,931 | £2,994 | £8,544 | 14.1% |
| Yr 3 | £15,141 | £202,154 | £10,457 | £9,766 | £26,921 | 44.3% |
| Yr 5 | £15,908 | £214,466 | £11,008 | £17,629 | £47,094 | 77.5% |
| Yr 10 | £17,998 | £248,625 | £12,514 | £42,424 | £106,049 | 174.4% |
| Yr 15 | £20,363 | £288,224 | £14,216 | £75,329 | £178,553 | 293.7% |
| Yr 20 | £23,039 | £334,131 | £16,143 | £117,409 | £266,539 | 438.4% |
| Yr 25 | £26,066 | £387,349 | £18,323 | £169,868 | £372,217 | 612.2% |
| Yr 30 | £29,492 | £449,044 | £20,789 | £234,072 | £498,115 | 819.3% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,021 | 6.6% | 4.1% | £-125 | -7.5% |
| Conservative | £1,117 | 7.2% | 4.8% | £109 | 2.9% |
| Base | £1,201 | 7.8% | 5.4% | £250 | 7.4% |
| Optimistic | £1,297 | 8.4% | 6.0% | £402 | 12.5% |
| Bull | £1,417 | 9.2% | 6.7% | £577 | 19.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.79% |
| Net Yield | ●5.37% |
| Net Annual Income | £9,932 |
| Deductions: void 8% (−£1,153) · mgmt 10% (−£1,441) · maint 10% (−£1,441) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £577 |
| Monthly Cashflow (IO) | ●£251 |
| Cash-on-Cash Return | ●4.93% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £2,475 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,021 | 6.6% | 4.1% | £-125 | -7.5% |
| Conservative | £1,117 | 7.2% | 4.8% | £109 | 2.9% |
| Base | £1,201 | 7.8% | 5.4% | £250 | 7.4% |
| Optimistic | £1,297 | 8.4% | 6.0% | £402 | 12.5% |
| Bull | £1,417 | 9.2% | 6.7% | £577 | 19.0% |
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