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House · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 53% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £1,700 |
| Total Estimated Refurb | £4,750 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Local, trusted builders in Birmingham T.A Smith Builders Ltd | 0121 475 4151 | — |
| decorator | Painting and Decorating Birmingham | Decorating Contractors ... | 0121 706 3125 | — |
| photographer | Birmingham photographer | 01839066789 | — |
Property Details
- Asking Price
- £142,500
- Property Type
- House
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 2 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 2 | — | — | — | — |
| Sector sale 4 | Flat | 2 | — | — | — | — |
| Sector sale 5 | Flat | 3 | — | — | — | — |
| Sector sale 6 | Flat | 2 | — | — | — | — |
| Sector sale 7 | Flat | 2 | — | — | — | — |
| Sector sale 8 | Flat | 2 | — | — | — | — |
| Sector sale 9 | Flat | 2 | — | — | — | — |
| Sector sale 10 | Flat | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 137 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £444 |
| ICR (actual) | 1.85x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 132% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £142,500 |
| Deposit (25% — 75% LTV) | £35,625 |
| SDLT (additional property, 5% surcharge) | £7,475 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £46,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £142,500 | Loan (75% LTV) | £106,875 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £490 |
| Rent needed (1.5×) | £735/mo | Estimated rent | £821/mo |
| Stress ratio | 1.68× (need ≥ 1.5×) +£86 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £350,000 |
| 75% remortgage | £262,500 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-560/mo |
| Gross margin | +£207,500 |
| Reno cost (est.) | –£4,750 |
| Buy + sell costs | –£16,325 |
| Net profit | +£186,425 (461.7% ROI) |
| SA gross/mo | £1,021 |
| SA net/mo | £748 |
| BTL est./mo | £821 |
| SA vs BTL uplift | +£200/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £153,457 | +£10,957 | £40,870 | +£5,245 (3.7%) |
| 5 years | £161,226 | +£18,726 | £46,658 | +£11,033 (7.7%) |
| 7 years | £169,388 | +£26,888 | £52,739 | +£17,114 (12.0%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £9,847 | £146,775 | £6,645 | £1,301 | £5,576 | 11.8% |
| Yr 3 | £10,345 | £155,714 | £7,004 | £4,439 | £17,652 | 37.4% |
| Yr 5 | £10,869 | £165,197 | £7,381 | £8,322 | £31,018 | 65.7% |
| Yr 10 | £12,297 | £191,508 | £8,409 | £21,541 | £70,549 | 149.5% |
| Yr 15 | £13,913 | £222,010 | £9,573 | £40,300 | £119,810 | 253.8% |
| Yr 20 | £15,742 | £257,371 | £10,889 | £65,328 | £180,199 | 381.8% |
| Yr 25 | £17,810 | £298,363 | £12,378 | £97,448 | £253,312 | 536.7% |
| Yr 30 | £20,150 | £345,885 | £14,063 | £137,593 | £340,978 | 722.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — West Midlands ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 245 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 5.9% | 3.5% | £-162 | -10.3% |
| Conservative | £764 | 6.4% | 4.2% | £8 | 0.6% |
| Base | £821 | 6.9% | 4.7% | £109 | 5.2% |
| Optimistic | £887 | 7.5% | 5.2% | £218 | 10.5% |
| Bull | £969 | 8.2% | 5.9% | £343 | 17.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●6.91% |
| Net Yield | ●4.67% |
| Net Annual Income | £6,648 |
| Deductions: void 8% (−£788) · mgmt 10% (−£985) · maint 10% (−£985) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £444 |
| Monthly Cashflow (IO) | ●£110 |
| Cash-on-Cash Return | ●2.76% |
| 5-Year IRR | ●5.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,475 |
| SDLT Effective Rate | 5.25% |
| SDLT (Company) | £7,475 |
| Section 24 Extra Tax/yr (higher rate) | £1,069 |
| SPV Annual Saving | £1,758 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £165,197 |
| Less: Purchase Price | −£142,500 |
| Less: Buying Costs (SDLT + legal) | −£10,075 |
| Less: Selling Costs (est. 2.5%) | −£4,130 |
| = CGT Net Gain (5yr) | £8,492 |
| CGT at 24% | £1,318 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 5.9% | 3.5% | £-162 | -10.3% |
| Conservative | £764 | 6.4% | 4.2% | £8 | 0.6% |
| Base | £821 | 6.9% | 4.7% | £109 | 5.2% |
| Optimistic | £887 | 7.5% | 5.2% | £218 | 10.5% |
| Bull | £969 | 8.2% | 5.9% | £343 | 17.1% |
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