🔒 Sign in to view the address — Canterbury
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 93% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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 | £4,800 |
| 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 | Canterbury Construction Limited | 07902 020802 | — |
| decorator | T&J Painting Solutions | 07522 489992 | — |
| photographer | Canterbury Wedding Photographer | 030-00648083 | — |
Property Details
- Asking Price
- £15,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 2 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 2 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
| Sector sale 6 | Flat | 2 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
| Sector sale 8 | Flat | 1 | — | — | — | — |
| Sector sale 9 | Flat | 1 | — | — | — | — |
| Sector sale 10 | Flat | 1 | — | — | — | — |
■ 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
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £47 |
| ICR (actual) | 18.25x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £15,000 |
| Deposit (25% — 75% LTV) | £3,750 |
| SDLT (additional property, 5% surcharge) | £750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £7,499 |
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 | £15,000 | Loan (75% LTV) | £11,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £52 |
| Rent needed (1.5×) | £77/mo | Estimated rent | £854/mo |
| Stress ratio | 16.56× (need ≥ 1.5×) +£777 surplus | ||
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) | £205,000 |
| 75% remortgage | £153,750 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-86/mo |
| Gross margin | +£190,000 |
| Reno cost (est.) | –£15,000 |
| Buy + sell costs | –£7,425 |
| Net profit | +£167,575 (893.7% ROI) |
| SA gross/mo | £500 |
| SA net/mo | £290 |
| BTL est./mo | £854 |
| SA vs BTL uplift | £-354/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £16,153 | +£1,153 | £3,161 | £-589 (-3.9%) |
| 5 years | £16,971 | +£1,971 | £3,967 | +£217 (1.4%) |
| 7 years | £17,830 | +£2,830 | £4,813 | +£1,063 (7.1%) |
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
Bridging Finance
Auction purchase, chain break, or refurbishment finance — one enquiry, whole-of-market search.
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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 | £10,248 | £15,450 | £6,934 | £6,371 | £6,821 | 79.3% |
| Yr 3 | £10,767 | £16,391 | £7,307 | £19,671 | £21,062 | 244.9% |
| Yr 5 | £11,312 | £17,389 | £7,700 | £33,747 | £36,136 | 420.2% |
| Yr 10 | £12,798 | £20,159 | £8,770 | £72,590 | £77,749 | 904.1% |
| Yr 15 | £14,480 | £23,370 | £9,981 | £117,199 | £125,569 | 1460.1% |
| Yr 20 | £16,383 | £27,092 | £11,351 | £168,333 | £180,424 | 2098.0% |
| Yr 25 | £18,536 | £31,407 | £12,901 | £226,848 | £243,254 | 2828.5% |
| Yr 30 | £20,972 | £36,409 | £14,655 | £293,714 | £315,123 | 3664.2% |
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 — South East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £726 | 58.1% | 34.8% | £374 | 68.6% |
| Conservative | £794 | 63.5% | 41.5% | £467 | 71.2% |
| Base | £854 | 68.3% | 46.2% | £531 | 72.6% |
| Optimistic | £922 | 73.8% | 51.6% | £603 | 74.2% |
| Bull | £1,008 | 80.6% | 58.3% | £691 | 76.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●68.32% |
| Net Yield | ●46.23% |
| Net Annual Income | £6,934 |
| Deductions: void 8% (−£820) · mgmt 10% (−£1,025) · maint 10% (−£1,025) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £47 |
| Monthly Cashflow (IO) | ●£531 |
| Cash-on-Cash Return | ●74.09% |
| 5-Year IRR | ●72.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £750 |
| Section 24 Extra Tax/yr (higher rate) | £112 |
| SPV Annual Saving | £1,574 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £17,389 |
| Less: Purchase Price | −£15,000 |
| Less: Buying Costs (SDLT + legal) | −£3,350 |
| Less: Selling Costs (est. 2.5%) | −£435 |
| = CGT Net Gain (5yr) | £-1,396 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £726 | 58.1% | 34.8% | £374 | 68.6% |
| Conservative | £794 | 63.5% | 41.5% | £467 | 71.2% |
| Base | £854 | 68.3% | 46.2% | £531 | 72.6% |
| Optimistic | £922 | 73.8% | 51.6% | £603 | 74.2% |
| Bull | £1,008 | 80.6% | 58.3% | £691 | 76.1% |
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