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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 38% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · South East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £4,700 |
| Bathroom | £3,450 |
| Living Room | £2,000 |
| Hallway / Stairs | £750 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Bedroom 4 | £1,200 |
| 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.
Property Details
- Asking Price
- £429,950
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,300–1,400 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 4 | — | — | — | — |
| Sector sale 2 | Detached | 4 | — | — | — | — |
| Sector sale 3 | Detached | 4 | — | — | — | — |
| Sector sale 4 | Detached | 4 | — | — | — | — |
| Sector sale 5 | Detached | 4 | — | — | — | — |
| Sector sale 6 | Detached | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,341 |
| ICR (actual) | 1.47x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 105% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £429,950 |
| Deposit (25% — 75% LTV) | £107,487 |
| SDLT (additional property, 5% surcharge) | £32,995 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £143,481 |
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 | £429,950 | Loan (75% LTV) | £322,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,478 |
| Rent needed (1.5×) | £2,217/mo | Estimated rent | £1,970/mo |
| Stress ratio | 1.33× (need ≥ 1.5×) £247 shortfall | ||
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) | £750,000 |
| 75% remortgage | £562,500 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-1,063/mo |
| Gross margin | +£320,050 |
| Reno cost (est.) | –£15,000 |
| Buy + sell costs | –£47,845 |
| Net profit | +£257,205 (210.0% ROI) |
| SA gross/mo | £1,158 |
| SA net/mo | £869 |
| BTL est./mo | £1,971 |
| SA vs BTL uplift | £-813/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £463,009 | +£33,059 | £124,887 | +£17,400 (4.0%) |
| 5 years | £486,449 | +£56,499 | £142,350 | +£34,862 (8.1%) |
| 7 years | £511,075 | +£81,125 | £160,697 | +£53,209 (12.4%) |
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.
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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 | £23,647 | £442,848 | £16,581 | £458 | £13,356 | 9.2% |
| Yr 3 | £24,844 | £469,818 | £17,443 | £2,661 | £42,529 | 29.4% |
| Yr 5 | £26,102 | £498,430 | £18,349 | £6,654 | £75,134 | 52.0% |
| Yr 10 | £29,532 | £577,817 | £20,818 | £25,068 | £172,935 | 119.6% |
| Yr 15 | £33,413 | £669,848 | £23,612 | £56,787 | £296,686 | 205.2% |
| Yr 20 | £37,804 | £776,538 | £26,774 | £103,561 | £450,149 | 311.3% |
| Yr 25 | £42,771 | £900,220 | £30,350 | £167,368 | £637,637 | 441.0% |
| Yr 30 | £48,392 | £1,043,601 | £34,397 | £250,445 | £864,096 | 597.6% |
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 | £1,674 | 4.7% | 2.9% | £-695 | -13.6% |
| Conservative | £1,832 | 5.1% | 3.5% | £-233 | -2.4% |
| Base | £1,970 | 5.5% | 3.9% | £38 | 2.4% |
| Optimistic | £2,128 | 5.9% | 4.3% | £328 | 7.8% |
| Bull | £2,325 | 6.5% | 4.8% | £655 | 14.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.5% |
| Net Yield | ●3.86% |
| Net Annual Income | £16,576 |
| Deductions: void 8% (−£1,892) · mgmt 10% (−£2,365) · maint 10% (−£2,365) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,341 |
| Monthly Cashflow (IO) | ●£40 |
| Cash-on-Cash Return | ●0.31% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,995 |
| SDLT Effective Rate | 7.67% |
| SDLT (Company) | £32,995 |
| Section 24 Extra Tax/yr (higher rate) | £3,225 |
| SPV Annual Saving | £4,227 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £498,430 |
| Less: Purchase Price | −£429,950 |
| Less: Buying Costs (SDLT + legal) | −£35,595 |
| Less: Selling Costs (est. 2.5%) | −£12,461 |
| = CGT Net Gain (5yr) | £20,424 |
| CGT at 24% | £4,182 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,674 | 4.7% | 2.9% | £-695 | -13.6% |
| Conservative | £1,832 | 5.1% | 3.5% | £-233 | -2.4% |
| Base | £1,970 | 5.5% | 3.9% | £38 | 2.4% |
| Optimistic | £2,128 | 5.9% | 4.3% | £328 | 7.8% |
| Bull | £2,325 | 6.5% | 4.8% | £655 | 14.6% |