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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 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
- £200,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 2 | — | — | — | — |
| Sector sale 2 | Semi | 2 | — | — | — | — |
| Sector sale 3 | Semi | 2 | — | — | — | — |
| Sector sale 4 | Semi | 2 | — | — | — | — |
| Sector sale 5 | Semi | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 52.8% (threshold: 40%). Comparable prices in this sector vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Active — 6/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £624 |
| ICR (actual) | 1.59x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 114% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £200,000 |
| Deposit (25% — 75% LTV) | £50,000 |
| SDLT (additional property, 5% surcharge) | £11,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £64,499 |
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 | £200,000 | Loan (75% LTV) | £150,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £688 |
| Rent needed (1.5×) | £1,031/mo | Estimated rent | £992/mo |
| Stress ratio | 1.44× (need ≥ 1.5×) £39 shortfall | ||
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 |
| Cash left in deal | Unknown |
| SA gross/mo | £1,076 |
| SA net/mo | £797 |
| BTL est./mo | £992 |
| SA vs BTL uplift | +£84/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £215,378 | +£15,378 | £57,677 | +£7,677 (3.8%) |
| 5 years | £226,282 | +£26,282 | £65,800 | +£15,800 (7.9%) |
| 7 years | £237,737 | +£37,737 | £74,334 | +£24,334 (12.2%) |
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 | £11,900 | £206,000 | £8,123 | £623 | £6,623 | 10.1% |
| Yr 3 | £12,502 | £218,545 | £8,557 | £2,517 | £21,062 | 32.1% |
| Yr 5 | £13,135 | £231,855 | £9,012 | £5,311 | £37,166 | 56.7% |
| Yr 10 | £14,861 | £268,783 | £10,255 | £16,541 | £85,324 | 130.1% |
| Yr 15 | £16,814 | £311,593 | £11,661 | £34,466 | £146,059 | 222.7% |
| Yr 20 | £19,024 | £361,222 | £13,252 | £59,967 | £221,189 | 337.2% |
| Yr 25 | £21,524 | £418,756 | £15,052 | £94,039 | £312,794 | 476.8% |
| Yr 30 | £24,352 | £485,452 | £17,089 | £137,808 | £423,261 | 645.2% |
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: 40 years. Below 70 years — mortgage restricted; lease extension strongly advised.
| Item | Value |
|---|---|
| Current value (short lease) | £200,000 |
| Est. freehold / extended value | £322,581 |
| Marriage value (50% to freeholder) | £61,290 |
| Est. total extension cost | £67,419 |
| Potential uplift (after extending) | £55,162 |
Estimates based on Savills/RICS relativity tables. Seek a professional lease extension valuation before proceeding.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 5.1% | 3.1% | £-302 | -12.4% |
| Conservative | £923 | 5.5% | 3.7% | £-79 | -1.2% |
| Base | £992 | 6.0% | 4.1% | £52 | 3.6% |
| Optimistic | £1,071 | 6.4% | 4.5% | £193 | 9.0% |
| Bull | £1,171 | 7.0% | 5.1% | £353 | 15.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.95% |
| Net Yield | ●4.06% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£952) · mgmt 10% (−£1,190) · maint 10% (−£1,190) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£53 |
| Cash-on-Cash Return | ●0.95% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,153 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 5.1% | 3.1% | £-302 | -12.4% |
| Conservative | £923 | 5.5% | 3.7% | £-79 | -1.2% |
| Base | £992 | 6.0% | 4.1% | £52 | 3.6% |
| Optimistic | £1,071 | 6.4% | 4.5% | £193 | 9.0% |
| Bull | £1,171 | 7.0% | 5.1% | £353 | 15.8% |
Run the numbers on this deal
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