Swanley Lane, Swanley, BR8
South East
£400,000
Listed on 14/10/2026
Listed on 14/10/2026
The listing
Property details
Bedrooms
3Type
Semi DetachedArea
872 sqftDescription
This chain-free three-bedroom semi-detached house has two reception rooms and a separate kitchen, with scope for a buyer to update and personalise the interiors. The reception rooms offer different options for living and dining, while the kitchen is described as well proportioned and suitable for redesign. Upstairs are three bedrooms and a shower room. The property is located near local amenities, schools and transport links. The listing describes the house as a modernisation project; the EPC rating is D.
WHOTS analysis
Our WHOTS verdict
An internal assessment of the opportunity to acquire, improve and create value.
50out of 100
Grade DWeak opportunity
Confidence: MEDIUM
This is a clean, usable three-bedroom semi with two reception rooms and a straightforward canvas for personalising: the main scope is updating the dated reception-room finishes and carpets, plus tidying the established gardens. The kitchen and shower room look intact, so the visible work appears light rather than a full refurbishment; the renovation range is £5,500–£17,000.
The overall opportunity is weak at 50/100. At £400,000, the asking price is about 5% above the local £/sqf average, and purchase plus the refurbishment midpoint looks tight against local benchmarks. There is still appeal in the practical layout and manageable improvement scope, but the asking price leaves limited headroom for a project buyer.
Key opportunities
- Refresh the dated reception-room décor and carpets to give the two reception spaces a more contemporary feel.
- Tidy and improve the established front and rear gardens while retaining their lawn and planted areas.
- Build on the practical three-bedroom, two-reception layout without needing to replace the apparently serviceable kitchen or shower-room fittings.
Key risks
None recorded.
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Finance
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Illustrative repayments based on the asking price, not a mortgage offer.
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Current average 2-year fixed rate is 4.45%
Current average variable rate is 6.60%
Monthly Repayments
£1,511
Based on a loan of £300,000 over 30 years at 4.45% interest
These results are estimates and are only intended as a guide. Make sure you obtain accurate figures from your lender before committing to any mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage.
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