3 bedroom cottage, Rectory Lane, Kensington & Chelsea
Kensington & Chelsea, SW3 2PL
Added 21 Jul 2026
£4,605,000
Guide price
Bedrooms
3
Bathrooms
2
Size
1,311 sqft
Type
cottage
Match
84%
- TenureFreehold
- Council taxBand E
- EPCC
- ParkingGarage
- GardenNone
About this home
Key features
- Country kitchen
- Exposed beams
- Feature stone walls
- Log burner
- Oil central heating
- Original fireplace
- Garage parking
- None
- EPC rating C
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£28,449/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand E£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band E
- Year built
- 2021
- Heating
- Air Source Heat Pump
- Parking
- Garage
- Garden
- None
Energy performance
- A
- B
- CScore 71
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,311 sqft
≈ 122 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 0.4 mi
Central Station
Overground
- 0.7 mi
Riverside Station
Rail
- 0.8 mi
Kings Road Station
Rail
- 2.5 mi
Junction
Tube
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
3.6 mi away
Birmingham New Street
99.7 mi away
Bristol Temple Meads
103.2 mi away
Manchester Piccadilly
161.8 mi away
Leeds
169 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.9 mi
Supermarket
Tesco Express
- 🏋️0.5 mi
Gym
Anytime Fitness
- 🌳0.5 mi
Park
Victoria Park
- 🩺0.1 mi
GP surgery
The Health Practice
- 🍽️0.3 mi
Restaurants
Riverside cafés
- ☕0.7 mi
Café
The Roastery
Commute time
Estimate the journey from Kensington & Chelsea, SW3 2PL to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: LimitedOutdoor: Good
- VodafoneIndoor: GoodOutdoor: Limited
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Kensington & Chelsea, SW3 2PL.
Area average
£4,341,507
This home +6%
12m change
-0.3%
Sold prices
Avg £/sqft
£489
This home £3513
Buyer demand
Steady
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£28,356 /mo
£340,268 per year — indicative estimate.
- Mortgage£23,629/mo10% deposit · 4.75% · 25 yr83%
- Council tax (Band E)£229/moIndicative England average1%
- Buildings insurance£460/mo~0.12% of value / yr2%
- Maintenance & repairs£3,838/mo~1.00% of value / yr14%
- Utilities (energy + water)£200/moOfgem typical dual-fuel1%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£23,629
Loan £4,144,500 · Deposit £460,500 (10%)
£7,223/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £2,944,054
- Total paid
- £7,088,554
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£466,350
Effective rate 10.13% on £4,605,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£708,500
Loan up to £247,500 + £461,000 deposit · capped by income (4.5× LTI)
This listing
£4,605,000
Short by £3,896,500 · needs income ~£920,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £21,617 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £920,889/yr income or £3,896,500 more deposit.
Monthly all-in
£25,838 /mo
£21,617 mortgage + £4,221 running · 564% of gross pay
Upfront cash
£937,507
£461,000 deposit + £466,350 SDLT + £10,157 fees
Lender check
Too big
Need £4,144,000 · max on income £247,500
- Loan needed (£4,144,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£25,838) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£937,507) leaves little for reserves — plan for surveys, SDLT and fees
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
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Investment potential
Would this stack up as a buy-to-let?
Open ▾
Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
0.33%
Net yield
-3.69%
Monthly cashflow
£-14,150
ROI on cash
-9.2%
Sensitivity
Rent −10%
£-14,248/mo · -3.71%
Rent +10%
£-14,051/mo · -3.66%
Rate +1%
£-17,028/mo · -4.44%
Rate −1%
£-11,271/mo · -2.94%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
93
/ 1k residents
Medium▲ 9.5% vs previous year
Broadband
807 Mbps
Up to 485 Mbps upload7 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Limited | Good | Good | Good |
| O2 | Good | Good | Good | Good |
| Three | None | Good | Limited | Good |
| Vodafone | Good | Good | Limited | Good |
Planning applications
5within 250 m in the last 12 months
- Withdrawn
Front porch and boundary wall
2025/2750/HH · 4 Nov 2025
- Withdrawn
Demolition of garage and new dwelling
2026/2046/HH · 10 May 2026
- Approved
Demolition of garage and new dwelling
2025/7740/HH · 3 Dec 2025
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- freehold
- Council tax band
- E
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Kensington & Chelsea, SW3 2PL and comparable homes nearby.
Property history
Jun 2019
Sold
£3,658,000
Sold nearby
Avg £4,164,500
66 Maple Road
Terraced · 4 bed · 0.06 mi · Apr 2026
£3,510,000
4 Laurel Avenue
Detached · 4 bed · 0.11 mi · Oct 2024
£3,935,000
86 Elm Gardens
Detached · 2 bed · 0.3 mi · Dec 2024
£5,020,000
163 Rowan Terrace
Detached · 3 bed · 0.34 mi · Nov 2025
£3,539,000
163 Maple Lane
Terraced · 3 bed · 0.4 mi · Jan 2026
£3,463,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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