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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 15% above the area median. Offers anchored to area median of £204,000. 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 | £5,550 |
| 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 | Home Builder London Ltd: Building & Renovation Services | 07473 463936 | — |
| decorator | Painting and Decorating London - David Banks & Company | 020 7385 9759 | — |
| photographer | London vacation photographer | 07879 455 932 | — |
Property Details
- Asking Price
- £235,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 400–500 sqft
- 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 | £16,474 | £242,050 | £11,416 | £2,603 | £9,653 | 12.6% |
| Yr 3 | £17,307 | £256,791 | £12,016 | £8,707 | £30,498 | 39.7% |
| Yr 5 | £18,184 | £272,429 | £12,647 | £16,057 | £53,487 | 69.6% |
| Yr 10 | £20,573 | £315,820 | £14,368 | £40,307 | £121,128 | 157.7% |
| Yr 15 | £23,277 | £366,122 | £16,314 | £73,827 | £204,949 | 266.9% |
| Yr 20 | £26,335 | £424,436 | £18,516 | £117,833 | £307,269 | 400.1% |
| Yr 25 | £29,796 | £492,038 | £21,008 | £173,705 | £430,743 | 560.9% |
| Yr 30 | £33,711 | £570,407 | £23,827 | £243,001 | £578,408 | 753.1% |
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: 100 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,167 | 6.0% | 3.7% | £-233 | -9.3% |
| Conservative | £1,277 | 6.5% | 4.4% | £49 | 1.4% |
| Base | £1,373 | 7.0% | 4.9% | £217 | 6.0% |
| Optimistic | £1,483 | 7.6% | 5.4% | £399 | 11.2% |
| Bull | £1,620 | 8.3% | 6.1% | £607 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.01% |
| Net Yield | ●4.86% |
| Net Annual Income | £11,418 |
| Deductions: void 8% (−£1,318) · mgmt 10% (−£1,647) · maint 10% (−£1,647) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £733 |
| Monthly Cashflow (IO) | ●£218 |
| Cash-on-Cash Return | ●3.39% |
| 5-Year IRR | ●6.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,950 |
| SDLT Effective Rate | 5.94% |
| SDLT (Company) | £13,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,762 |
| SPV Annual Saving | £2,859 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £272,429 |
| Less: Purchase Price | −£235,000 |
| Less: Buying Costs (SDLT + legal) | −£16,550 |
| Less: Selling Costs (est. 2.5%) | −£6,811 |
| = CGT Net Gain (5yr) | £14,068 |
| CGT at 24% | £2,656 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,167 | 6.0% | 3.7% | £-233 | -9.3% |
| Conservative | £1,277 | 6.5% | 4.4% | £49 | 1.4% |
| Base | £1,373 | 7.0% | 4.9% | £217 | 6.0% |
| Optimistic | £1,483 | 7.6% | 5.4% | £399 | 11.2% |
| Bull | £1,620 | 8.3% | 6.1% | £607 | 17.8% |
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