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Apartment · 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 | £5,550 |
| Bathroom | £4,050 |
| Living Room | £2,400 |
| Master Bedroom | £1,850 |
| Bedroom 2 | £1,850 |
| Bedroom 3 | £1,850 |
| 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 | Gurra Construction | 07452 804995 | — |
| decorator | Painters & Decorators | Southwest London | 07594038923 | — |
| photographer | Serena Bolton Photography | 07415 792499 | — |
Property Details
- Asking Price
- £375,000
- Property Type
- Apartment
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £32,138 | £386,250 | £22,694 | £8,632 | £19,882 | 15.9% |
| Yr 3 | £33,764 | £409,773 | £23,865 | £27,644 | £62,417 | 49.8% |
| Yr 5 | £35,474 | £434,728 | £25,096 | £49,089 | £108,816 | 86.8% |
| Yr 10 | £40,135 | £503,969 | £28,452 | £114,160 | £243,129 | 194.0% |
| Yr 15 | £45,409 | £584,238 | £32,250 | £197,314 | £406,552 | 324.3% |
| Yr 20 | £51,377 | £677,292 | £36,546 | £300,928 | £603,220 | 481.2% |
| Yr 25 | £58,128 | £785,167 | £41,407 | £427,689 | £837,856 | 668.4% |
| Yr 30 | £65,766 | £910,223 | £46,907 | £580,640 | £1,115,863 | 890.2% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — Greater London ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 227 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,275 | 7.3% | 4.6% | £-81 | -5.4% |
| Conservative | £2,490 | 8.0% | 5.5% | £417 | 4.5% |
| Base | £2,677 | 8.6% | 6.0% | £718 | 8.8% |
| Optimistic | £2,891 | 9.3% | 6.7% | £1,048 | 13.8% |
| Bull | £3,159 | 10.1% | 7.6% | £1,426 | 20.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.57% |
| Net Yield | ●6.05% |
| Net Annual Income | £22,684 |
| Deductions: void 8% (−£2,571) · mgmt 10% (−£3,214) · maint 10% (−£3,214) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£720 |
| Cash-on-Cash Return | ●6.88% |
| 5-Year IRR | ●8.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,812 |
| SPV Annual Saving | £5,312 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,275 | 7.3% | 4.6% | £-81 | -5.4% |
| Conservative | £2,490 | 8.0% | 5.5% | £417 | 4.5% |
| Base | £2,677 | 8.6% | 6.0% | £718 | 8.8% |
| Optimistic | £2,891 | 9.3% | 6.7% | £1,048 | 13.8% |
| Bull | £3,159 | 10.1% | 7.6% | £1,426 | 20.1% |
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