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Terraced · 3 bed
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Suggested Offer Range
Asking price is 25% above the area median. Offers anchored to area median of £191,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £240,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £13,416 | £247,200 | £9,215 | £215 | £7,415 | 9.5% |
| Yr 3 | £14,095 | £262,254 | £9,704 | £1,374 | £23,629 | 30.1% |
| Yr 5 | £14,809 | £278,226 | £10,217 | £3,549 | £41,774 | 53.3% |
| Yr 10 | £16,755 | £322,540 | £11,618 | £13,769 | £96,309 | 122.8% |
| Yr 15 | £18,956 | £373,912 | £13,204 | £31,539 | £165,451 | 211.0% |
| Yr 20 | £21,447 | £433,467 | £14,997 | £57,849 | £251,316 | 320.6% |
| Yr 25 | £24,266 | £502,507 | £17,026 | £93,823 | £356,329 | 454.5% |
| Yr 30 | £27,455 | £582,543 | £19,322 | £140,729 | £483,272 | 616.4% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 4.8% | 2.9% | £-394 | -13.2% |
| Conservative | £1,041 | 5.2% | 3.5% | £-134 | -1.8% |
| Base | £1,119 | 5.6% | 3.8% | £19 | 3.0% |
| Optimistic | £1,209 | 6.0% | 4.3% | £182 | 8.5% |
| Bull | £1,320 | 6.6% | 4.8% | £366 | 15.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.59% |
| Net Yield | ●3.84% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,073) · mgmt 10% (−£1,342) · maint 10% (−£1,342) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £748 |
| Monthly Cashflow (IO) | ●£21 |
| Cash-on-Cash Return | ●0.28% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,300 |
| SDLT Effective Rate | 5.96% |
| SDLT (Company) | £14,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,800 |
| SPV Annual Saving | £2,441 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £278,226 |
| Less: Purchase Price | −£240,000 |
| Less: Buying Costs (SDLT + legal) | −£16,900 |
| Less: Selling Costs (est. 2.5%) | −£6,956 |
| = CGT Net Gain (5yr) | £14,370 |
| CGT at 24% | £2,729 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 4.8% | 2.9% | £-394 | -13.2% |
| Conservative | £1,041 | 5.2% | 3.5% | £-134 | -1.8% |
| Base | £1,119 | 5.6% | 3.8% | £19 | 3.0% |
| Optimistic | £1,209 | 6.0% | 4.3% | £182 | 8.5% |
| Bull | £1,320 | 6.6% | 4.8% | £366 | 15.3% |
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