Analytics Streamline Icon: https://streamlinehq.com analytics
21.6%
Total ROCE
£900
Monthly Rental
£5,000
Day 1 Equity
10.8%
Gross Rental Yield
Uncover the full success story

Teynham 1 bed apartment delivers commuter friendly investment

Through strategic sourcing and insight, Unity Investments acquired this 420 sq ft one-bedroom apartment in Teynham Village for £100,000, providing an affordable entry point with strong rental demand and immediate income potential.

Property Overview

  • Property
    1-bedroom apartment
  • Location
    Teynham, Kent, ME9
  • Purchase Date
    February 2026

Key purchase details

  • Purchase price:
    £100,000
  • Comparable market value at purchase:
    £105,000
  • Below market discount:
    £5,000

Funding breakdown

  • Total cash invested:
    £37,500
  • Deposit (25%):
    £25,000
  • Mortgage:
    £75,000 @ 5.5% interest only

Why selected

  • Affordable entry point:
    Low cost acquisition in a commuter friendly village
  • Commuter-friendly:
    Short walk to mainline station, easy access to Sittingbourne and Faversham
  • Strong rental demand:
    Compact, modern apartment with allocated parking

Equity Position

  • Estimated Market Value Today:
    £110,000
  • Instant Equity from Purchase:
    £5,000
  • Value created through refurbishment:
    £5,000
  • Net equity after refurb cost:
    £4,000

Additional costs

  • Stamp Duty:
    £5,000 (additional property rate)
  • Legal fees:
    £1,500
  • Survey, refurb and other costs:
    £6,000

Financial Performance Dashboard

This section breaks down the property’s performance in clear, measurable terms. From headline yields and leveraged returns to the monthly cash flow position, you can see exactly how this investment is working. The figures highlight not just the strength of the rental income, but also the impact of market growth and smart financing, giving a complete picture of both immediate income and long-term wealth creation.

Yield Analysis

Local Average Gross Yield
5.5%
Your Gross Yield
10.8%
+0.15 above local market
This property generates stronger rental returns than comparable homes in the area, making it a high-performing investment for commuter-town portfolios.
Gross Rental Yield: 
10.8%
Calculated as (£900 × 12) ÷ £100,000 → Monthly rental income × 12 ÷ Purchase price = 10.8% gross yield

Return on Capital Employed (ROCE)

Rental ROCE
12.8%
Total ROCE
21.6%
The rental return on capital employed shows the efficiency of the investment in generating income from the cash actually invested.
Total ROCE: 
21.6%
Calculated as (£4,812 net rental income + £3,300 annualised capital growth at 3%) ÷ £37,500 total cash invested.

Return on Capital Employed (ROCE)

Traditional Cash Savings generates just £400/year per £10k
£400
Property Investment generates over £2700/year per £10k
£1315
Property investment is up to
6.05x harder working
Monthly Cash Flow Waterfall
This breakdown shows exactly how your investment generates income each month. Starting with rental income, we account for mortgage payments, management fees, insurance, and maintenance costs to arrive at your net monthly profit. Understanding this flow helps you see the true cash generation potential of the property and how your money is working for you in real time.
Income / Expense
Amount (£)
Running total (£)
Rental Income
900
900
Mortgage Payment
-344
1
Management Fee (10%)
1
1
Insurance
-30
1
Maintenance Reserve
-25
1
Net Monthly Profit
-
£1

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Equity Position:
Conservative Estimate

This section highlights the equity created from our property acquisitions, based on conservative assumptions. It shows the value gained on day one through below-market purchases, and provides a snapshot of the current position, taking into account recent market activity and mortgage balances. This approach helps investors understand the potential upside while maintaining a cautious, realistic perspective.

Timeline & Milestones:
Turning Strategy into Results

This section highlights the equity created from our property acquisitions, based on conservative assumptions. It shows the value gained on day one through below-market purchases, and provides a snapshot of the current position, taking into account recent market activity and mortgage balances. This approach helps investors understand the potential upside while maintaining a cautious, realistic perspective.
Week 1
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Initial consultation with Unity
Week 2
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Property sourced & presented
Week 3
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Offer accepted
Week 5
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Mortgage application submitted
Week 8
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Survey & legals completed
Week 12
Exchange & completion
Week 13
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Property listed for rent
Week 14
First tenant moved in

The Property Behind the Numbers

The property itself, highlighting the features that underpin Unity’s investment strategy.
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From Strategy to Success: Investor Stories

Each investor who works with Unity Investments brings their own goals and ambitions, from building long term wealth to generating steady income.

Through careful planning, personalised strategies, and hands on support, our clients turn property opportunities into measurable success - achieving results that align with their financial objectives and giving them confidence in every step of their investment journey.

Background:

Claire, a chartered accountant, is married with no children. She is focused on low-maintenance, commuter-friendly properties that provide reliable income while preserving capital.

Investment Goal:

To secure dependable long-term returns from well-located residential properties without the need for active management.

Why This Strategy:

“I wanted a property that could generate steady income and offer potential for modest growth, without complex management. The Teynham apartment fits that perfectly..”


Future Plans:

Claire plans to maintain a small, high-quality portfolio of commuter properties that are easy to manage and consistently generate rental income.

“Unity made investing in this Teynham apartment seamless. It’s already generating rental income and fits perfectly with my conservative investment approach”
Claire Morgan

Why This Investment Works

This Teynham apartment demonstrates how carefully selected affordable commuter-market properties can provide reliable rental income, low management, and modest instant equity.
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Strategy Success:

Purchased below asking with immediate rental potential

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Income Generation:

£900 pcm rental with low maintenance

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Low Management:

Compact first floor apartment with allocated parking

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Risk Mitigation:

£10k equity from below market value acquisition and refurb

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Rental ROCE:

12.8% annual return on capital from income alone

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Total ROCE:

21.6% combining rental income and equity position

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Scalability:

Similar small, commuter-friendly apartments offer opportunities for steady growth

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Savings Comparison:

Cash savings at 4% significantly underperform versus structured property investment

Start Your Investment Journey with Unity Today

Understanding exactly how to buy investment property is the first step to building wealth through London property. Our proven process removes complexity while maintaining complete transparency.
Next Step:
Book Your Free Consultation to discuss how our process can work for your specific investment goals.
Schedule Your Investment Strategy Call