🔒 Sign in to view the address — Croydon
Flat · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 22% above the area median. Offers anchored to area median of £285,000. 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 | £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 | Building Contractors Croydon and London | 07908 178500 | — |
| decorator | Hynon Painters & Decorators | Croydon, Surrey, London ... | 05130720902 | — |
| photographer | Harriet Buckingham Photography Photographer in Croydon | 07717 740 072 | — |
Property Details
- Asking Price
- £350,000
- Property Type
- Flat
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £20,090 | £360,500 | £14,020 | £895 | £11,395 | 9.8% |
| Yr 3 | £21,107 | £382,454 | £14,752 | £3,778 | £36,233 | 31.1% |
| Yr 5 | £22,176 | £405,746 | £15,521 | £8,182 | £63,928 | 54.8% |
| Yr 10 | £25,090 | £470,371 | £17,620 | £26,355 | £146,725 | 125.8% |
| Yr 15 | £28,387 | £545,289 | £19,993 | £55,832 | £251,120 | 215.4% |
| Yr 20 | £32,117 | £632,139 | £22,679 | £98,098 | £380,237 | 326.1% |
| Yr 25 | £36,337 | £732,822 | £25,718 | £154,835 | £537,657 | 461.1% |
| Yr 30 | £41,112 | £849,542 | £29,156 | £227,944 | £727,486 | 623.9% |
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 | £1,424 | 4.9% | 3.0% | £-534 | -12.9% |
| Conservative | £1,558 | 5.3% | 3.6% | £-150 | -1.7% |
| Base | £1,675 | 5.7% | 4.0% | £75 | 3.0% |
| Optimistic | £1,809 | 6.2% | 4.5% | £317 | 8.4% |
| Bull | £1,976 | 6.8% | 5.0% | £590 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.74% |
| Net Yield | ●4.01% |
| Net Annual Income | £14,027 |
| Deductions: void 8% (−£1,607) · mgmt 10% (−£2,009) · maint 10% (−£2,009) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,092 |
| Monthly Cashflow (IO) | ●£77 |
| Cash-on-Cash Return | ●0.77% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £25,000 |
| SDLT Effective Rate | 7.14% |
| SDLT (Company) | £25,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,625 |
| SPV Annual Saving | £3,581 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £405,746 |
| Less: Purchase Price | −£350,000 |
| Less: Buying Costs (SDLT + legal) | −£27,600 |
| Less: Selling Costs (est. 2.5%) | −£10,144 |
| = CGT Net Gain (5yr) | £18,002 |
| CGT at 24% | £3,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,424 | 4.9% | 3.0% | £-534 | -12.9% |
| Conservative | £1,558 | 5.3% | 3.6% | £-150 | -1.7% |
| Base | £1,675 | 5.7% | 4.0% | £75 | 3.0% |
| Optimistic | £1,809 | 6.2% | 4.5% | £317 | 8.4% |
| Bull | £1,976 | 6.8% | 5.0% | £590 | 15.2% |
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