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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 65% above the area median. Offers anchored to area median of £175,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Bedroom 3 | £350 |
| Bedroom 4 | £350 |
| Bedroom 5 | £350 |
| 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 | Building Contractor in Coventry, Building Contractor in ... | 07718 001059 | — |
| decorator | Coventry Decorators – Call us if If you are looking for painters and ... | 07516 790 046 | — |
| photographer | Kamera Studios | 024 7667 3061 | — |
Property Details
- Asking Price
- £290,000
- Property Type
- Terraced
- Bedrooms
- 5
- 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 | £31,610 | £298,700 | £22,314 | £11,439 | £20,139 | 21.1% |
| Yr 3 | £33,210 | £316,891 | £23,466 | £36,039 | £62,930 | 65.8% |
| Yr 5 | £34,892 | £336,189 | £24,677 | £63,030 | £109,219 | 114.2% |
| Yr 10 | £39,477 | £389,736 | £27,978 | £141,780 | £241,516 | 252.6% |
| Yr 15 | £44,664 | £451,811 | £31,713 | £238,316 | £400,127 | 418.5% |
| Yr 20 | £50,533 | £523,772 | £35,939 | £354,976 | £588,748 | 615.8% |
| Yr 25 | £57,174 | £607,196 | £40,720 | £494,403 | £811,599 | 849.0% |
| Yr 30 | £64,687 | £703,906 | £46,130 | £659,590 | £1,073,497 | 1122.9% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,238 | 9.3% | 5.9% | £240 | 0.9% |
| Conservative | £2,449 | 10.1% | 6.9% | £680 | 9.9% |
| Base | £2,633 | 10.9% | 7.7% | £952 | 14.0% |
| Optimistic | £2,844 | 11.8% | 8.6% | £1,252 | 18.7% |
| Bull | £3,107 | 12.9% | 9.6% | £1,599 | 24.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.9% |
| Net Yield | ●7.69% |
| Net Annual Income | £22,304 |
| Deductions: void 8% (−£2,529) · mgmt 10% (−£3,161) · maint 10% (−£3,161) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£955 |
| Cash-on-Cash Return | ●11.96% |
| 5-Year IRR | ●14.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,000 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £19,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £5,079 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,189 |
| Less: Purchase Price | −£290,000 |
| Less: Buying Costs (SDLT + legal) | −£21,600 |
| Less: Selling Costs (est. 2.5%) | −£8,405 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,238 | 9.3% | 5.9% | £240 | 0.9% |
| Conservative | £2,449 | 10.1% | 6.9% | £680 | 9.9% |
| Base | £2,633 | 10.9% | 7.7% | £952 | 14.0% |
| Optimistic | £2,844 | 11.8% | 8.6% | £1,252 | 18.7% |
| Bull | £3,107 | 12.9% | 9.6% | £1,599 | 24.6% |
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