Sold Flat

FLAT 33

BANK CHAMBERS, 25, JERMYN STREET, LONDON, GREATER LONDON SW1Y 6HR

1 beds 1 baths 732 sq ft Listed 9 May 2025 (-450d)

£1,275,000

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# 1 bedroom flat for sale (SW1Y 6HR)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 33, BANK CHAMBERS, 25, JERMYN STREET, LONDON, GREATER LONDON SW1Y 6HR |
| Price | £1,275,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 68 m² |
| Last sold | £1,175,000 Feb 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** F
- **Potential rating:** E
- **Expiry date:** 23/07/2034
- **Current heating cost:** £1,682/year
- **Est. upgrade cost to C:** £10,138

### Recommendations
- Q (£4,000 - £14,000)
- C (£15 - £30)
- E (£60)
- G (£350 - £450)
- Y (£585 - £725)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0340-2294-0430-2324-7081)

## Description

An immaculate one-bedroom apartment in a Grade II listed building with lift and porter.

Jermyn Street, well known for its established gentleman's outfitters, art galleries, hotels, and restaurants, is excellently located close to Piccadilly and St James Park.

The transport links are excellent and include Piccadilly Circus underground station approximately 0.1 miles and Green Park underground station approximately 0.4 miles.

**Tenure:** Leasehold **Lease Years Remaining:** 150

**Service Charge:** £6,828

**Annual Ground Rent:** £0

**Council Tax Band:** F

Information contained within this listing is for guidance only and should be checked and confirmed (prior to proceeding).

## Property Photos

- ![Photo](/listings/photos/161764694/1618570)
- ![Photo](/listings/photos/161764694/1618571)
- ![Photo](/listings/photos/161764694/1618572)
- ![Photo](/listings/photos/161764694/1618573)
- ![Photo](/listings/photos/161764694/1618574)
- ![Photo](/listings/photos/161764694/1618575)
- ![Photo](/listings/photos/161764694/1618576)
- ![Photo](/listings/photos/161764694/1618577)

## Floorplans

- ![Floorplan 1](/listings/photos/161764694/1618578) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/161764694/1618579) - EPC 1

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| BANK CHAMBERS, 25 FLAT 33 JERMYN STREET, LONDON, CITY OF WESTMINSTER, GREATER LONDON, SW1Y 6HR | £1,175,000 | 12/02/2026 | Flat |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| [Same street] BANK CHAMBERS, 25 FLAT 29 JERMYN STREET, LONDON, CITY OF WESTMINSTER, GREATER LONDON, SW1Y 6HR | £520,000 | 18/04/2023 | Flat |
| [Same street] BANK CHAMBERS, 25 FLAT 34 JERMYN STREET, LONDON, CITY OF WESTMINSTER, GREATER LONDON, SW1Y 6HR | £710,000 | 21/01/2022 | Flat |
| [Same street] BANK CHAMBERS, 25 FLAT 15 JERMYN STREET, LONDON, CITY OF WESTMINSTER, GREATER LONDON, SW1Y 6HR | £1,150,000 | 22/12/2021 | Flat |

**Street average:** £793,333 (3 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £1,647,083 (3 Flat, SW1Y, 2024–2026)
- **Deviation:** -22.6%

## Rental Range

*ONS Price Index of Private Rents (Westminster). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £2,851/mo
- **Realistic:** £3,168/mo
- **Optimistic:** £3,485/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Central London (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £1,436/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 1 Bed Flat, Duke Of York Street, SW1Y | £2,700/mo | 1 | 0.07 miles | OpenRent |
| 1 Bed Flat, Marshall Street, W1F | £3,467/mo | 1 | 0.29 miles | OpenRent |
| 1 Bed Flat, Craven Street, WC2N | £2,580/mo | 1 | 0.47 miles | OpenRent |

**Average rent: £2,916/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.21% (weak for cashflow)
- **Max investor price (0.8%):** £337,500
- **Target investor price (1%):** £270,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £2,700/mo).*

- **Gross yield:** 2.5%
- **Cost-to-rent:** 39.4×
- **Monthly cashflow:** £-2,616/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -8.5%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Price per Square Metre

- **£/m²:** £18,750/m²

## House Price Index (HM Land Registry)

*Official index for City of Westminster; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -20.1%
- **5y growth (index):** -23.5%
- **10y growth (index):** -22%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

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Property details

Tenure

LEASEHOLD

Floor area

68 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£1,175,000 Feb 2026

Price per m²

£18,750/m²

Local average

£1,647,083 (-22.6%)

Deprivation

Decile 8 (24,593 of 33,755)

Street crime

4675 incidents within 1 mile (May 2026)

Key features

Jermyn Street
One bedroom
759 sq. ft
Grade II listed building
Lift
Porter

Description

An immaculate one-bedroom apartment in a Grade II listed building with lift and porter.

Jermyn Street, well known for its established gentleman's outfitters, art galleries, hotels, and restaurants, is excellently located close to Piccadilly and St James Park.

The transport links are excellent and include Piccadilly Circus underground station approximately 0.1 miles and Green Park underground station approximately 0.4 miles.

Tenure: Leasehold Lease Years Remaining: 150
Service Charge: £6,828
Annual Ground Rent: £0
Council Tax Band: F

Information contained within this listing is for guidance only and should be checked and confirmed (prior to proceeding).

Listed by

Mayfair

Dexters

Reference: 161764694

EPC Rating & Upgrade Cost

Current rating: F

Potential rating: E

Inspection date: 24/07/2024

Expiry date: 23/07/2034

Current heating cost: £1,682/year

Potential heating cost: £1,082/year

Est. upgrade cost to C: £10,138

EPC F or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Add additional 80 mm jacket to hot water cylinder (£15 - £30)
Low energy lighting for all fixed outlets (£60)
Upgrade heating controls (£350 - £450)
Heat recovery system for mixer showers (£585 - £725)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

Price history

Event	Date	Price	% change
Sold	12/02/2026 (5 months ago)	£1,175,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
Same street BANK CHAMBERS, 25 FLAT 29 JERMYN STREET, LONDON, CITY OF WESTMINSTER, GREATER LONDON, SW1Y 6HR	£520,000	18/04/2023	Flat
Same street BANK CHAMBERS, 25 FLAT 34 JERMYN STREET, LONDON, CITY OF WESTMINSTER, GREATER LONDON, SW1Y 6HR	£710,000	21/01/2022	Flat
Same street BANK CHAMBERS, 25 FLAT 15 JERMYN STREET, LONDON, CITY OF WESTMINSTER, GREATER LONDON, SW1Y 6HR	£1,150,000	22/12/2021	Flat

Street average: £793,333 (3 sales)

Capital growth trend

House Price Index (HM Land Registry — official index, not sold-price averages): City of Westminster. Series: Flats and maisonettes. As of April 2026.

1y (index) -20.1%

5y (index) -23.5%

10y (index) -22%

Rental Range

Estimated market rent for Westminster. Low = conservative, Realistic = average, Optimistic = best case.

Low £2,851/mo

Realistic £3,168/mo

Optimistic £3,485/mo

Based on Local Authority from postcode lookup → Westminster.

LHA (30th percentile) floor for Central London: £1,436/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SW1Y 6HR

Address

Piccadilly

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Shop	La Martina	0.0 miles
Shop	Joseph Cheaney and Sons	0.0 miles
Bus stop	Piccadilly Circus	0.0 miles
Train station	Piccadilly Circus	0.1 miles
University	University of Notre Dame	0.2 miles
Train station	Leicester Square	0.4 miles
Hospital	Tunica Diagnostics	0.5 miles
Hospital	Until SOHO	0.5 miles
University	The Courtauld Institute of Art	0.8 miles

Street-level crime

Category	Count
Other theft	984
Theft from the person	884
Shoplifting	690
Violence and sexual offences	673
Anti-social behaviour	600
Public order	273
Robbery	146
Drugs	141
Vehicle crime	97
Bicycle theft	69
Burglary	62
Possession of weapons	35
Other crime	18
Criminal damage and arson	3
Total incidents	4675

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Soho Parish CofE Primary School	Primary	0.2 miles	Good — 24 Apr 2019
London Park School Mayfair and London Park School Sixth	Other	0.6 miles	— (No rating)
The Royal Ballet School	Other	0.6 miles	— (No rating)
St George's Hanover Square CofE Primary School	Primary	0.6 miles	Good — 21 Jan 2024
University of Westminster	Other	0.6 miles	— (No rating)

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
1 Bed Flat, Duke Of York Street, SW1Y	£2,700/mo	1	0.07 miles	OpenRent
1 Bed Flat, Marshall Street, W1F	£3,467/mo	1	0.29 miles	OpenRent
1 Bed Flat, Craven Street, WC2N	£2,580/mo	1	0.47 miles	OpenRent

Average rent: £2,916/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.21%

Max investor price (0.8%) £337,500

Target investor price (1%) £270,000

Gross yield 2.5%

Cost-to-rent ratio 39.4×

Monthly cashflow £-2,616/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -8.5%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).