4-bed flat for sale in London NW3 — £950K | Dwelfy

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Pays on paper — one thing left to confirm

Rented normally, you'd make about £1,880 a month, if it can be let.

There is no EPC band we can cite for this address, and the band is what decides whether it may be let at all. The rent is our own estimate — worth checking against two or three real local lettings. One month without a tenant wipes out about 4 months of that profit, so keep a buffer for gaps. It has been listed 429 days (about 14 months) without selling, which is your argument for offering less.

ALVANLEY COURT, 250 1, FINCHLEY ROAD, LONDON, NW3 6DL ✓ Verified address · 1,322 sqft · £719/sqft

4 BED FLATListed 429d · ~14mo

£950,000

Why it works

Monthly profit +£1,880/mo from completion — the no.1 reason to invest
This is the money left after the mortgage, the running costs and tax — not the rent.It assumes the rent we modelled and the empty weeks we assumed. Change either and it moves. Try your own numbers →
10.91% return before costs — above-market
Rent over price, before any costs. Useful for comparing streets; it is not money you keep.Two properties on the same yield can leave you very different amounts. See what you keep →
Passes the lender's rate test at 6.5% — lender-friendly
Lenders test the rent against a stressed rate, not the one you are quoted. This clears it.The cover level is each lender’s own policy, not law — treat it as the shape of the test. See the lender's view →

Why to be cautious

No EPC band on record — the rating decides whether you may legally rent it out
An F or G rating has made a property unlettable on new tenancies since April 2020, and every rent figure on this page assumes it can be let.Free to check on the government EPC register in under a minute — do it before you offer, not after.

What would have to be true?
Nothing — it works at the asking price
The rent covers the mortgage, the running costs and the tax at the £950,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.
worked back from the rent

Is it a good location?
London, NW3 6DL
1 of 5 schools in this postcode area rated Good or Outstanding and flood risk checking… — open for the map, the schools and the rest.
Article 4Not assessed for this address
postcode area, not this address

Ready to move on this property?

Generates an offer pack with your numbers & sources — take it to the agent.

Listing seen …

What if…

Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent).

You keep£1,880/mo

All-in cash£372,618

Payback16.5 yrs

Offer

Deposit

Mortgage rate

The dial above is the rate you would be quoted. Every figure on this page is worked at 6.50% — that rate plus a 0.75pp premium lenders add on a limited-company purchase.

Standard rental

Rent

Empty weeks a year

Doing it up

Estimated, not surveyed — nobody has been inside.

More assumptions10

Mortgage term

Fixed for

Stress rate

Solicitor + survey

Lender fees

Letting agent

Insurance

Maintenance

Service charge

Ground rent

Where these figures came from16

Offer the asking price£950,000Asking price from listing

Deposit a typical assumption25%Standard 75% LTV for BTL

Mortgage rate a typical assumption5.75%5-year fixed at 75% LTV — 5.75% (as of 2026-05-20). 5.75% headline + 0.75pp limited-company product premium = 6.50% charged in this model.

Rent worked out from local rents£8,639/moEstimated rent from 80 comparables. Range £9,078–£8,221/mo.

Empty weeks a year a typical assumption2 wksTypical voids for BTL

Doing it up a typical figure, not a quote£30,268Per-property refurb estimate from the element rate-card model (£22,701–£42,375 range), VAT-inclusive

Mortgage term a general default, not this property25 yrs

Fixed for a typical assumption5 yrsFixed for 5 years (5-year fixed at 75% LTV); after the fix the projection charges the reversion rate — a stated assumption, not a forecast.

Stress rate a typical assumption7.50%The higher of 5.5% and your rate + 2 points (PRA SS13/16): 7.5%

Solicitor + survey a typical figure, not a quote£3,350Leasehold flat — £2,500 legal + £850 survey

Lender fees a typical figure, not a quote£15,2502% product fee on £712,500 loan + £1,000 booking fee

Letting agent a typical assumption10%Typical BTL agency rate

Insurance a typical figure, not a quote£40/moTypical BTL building+landlord cover for £400K+

Maintenance a typical figure, not a quote£67/moSemi/flat: £67/mo proxy

Service charge a typical figure, not a quote£599/moFrom listing description: £7,182.41/yr

Ground rent a typical figure, not a quote£8/moFrom listing description: £100/yr

These are this page’s own derivation notes, unedited. A figure marked a typical figure, not a quote is our model of a cost for a property of this kind in this area — not a price anybody has given you, and the first thing worth replacing with a real one.

Notes

Auto-saves

Listed by

PMP International

020 7101 0616 View on portal

Asking price£950,000

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Rented normally, you'd make about £1,880 a month, if it can be let.

What if I change my assumptions?The dialsAt the asking price, 25% deposit, 6.50% chargedChange any of these 16 and every card on this page changes with it. The 6.50% is the 5.75% quoted plus a company premium.◧ worked out from local rents

What will it cost me to buy?Breakdown£342,350 + refurb costs£104,850 of that never comes back — stamp duty, solicitor and lender fees.£342,350 to buy itdeposit · stamp duty · solicitor · fees~£30,268, unseen□ works not inspected

What would have to be true?Nothing — it works at the asking priceThe rent covers the mortgage, the running costs and the tax at the £950,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.◧ worked back from the rent

Is the price right?The deedsLast sold for £280,000 in 2002Nothing nearby is comparable, but asking is 239% more than the £280,000 paid for it in 2002.□ this address’s own deeds, no comparable saleHM Land Registry Price Paid Data

How big is it, really?The planMeasured off the plan, not by a surveyor 1,322 sq ftThe area comes off the plan, not a survey. Open for what that means.□ area off the floorplan — not a survey

Is it a good location?Open the mapLondon, NW3 6DL1 of 5 schools in this postcode area rated Good or Outstanding and flood risk checking… — open for the map, the schools and the rest.Article 4Not assessed for this address■ postcode area, not this address

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What would have to be true?
Nothing — it works at the asking price
The rent covers the mortgage, the running costs and the tax at the £950,000 asked, so there is no discount this card has to name. A lower price would be upside, not a condition.
worked back from the rent

Is it a good location?
London, NW3 6DL
1 of 5 schools in this postcode area rated Good or Outstanding and flood risk checking… — open for the map, the schools and the rest.
Article 4Not assessed for this address
postcode area, not this address