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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 14% 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: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| 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
- £200,000
- Property Type
- Terraced
- Bedrooms
- 4
- 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 | £17,500 | £206,000 | £12,155 | £4,655 | £10,655 | 16.2% |
| Yr 3 | £18,386 | £218,545 | £12,793 | £14,918 | £33,463 | 51.0% |
| Yr 5 | £19,317 | £231,855 | £13,463 | £26,505 | £58,360 | 89.0% |
| Yr 10 | £21,855 | £268,783 | £15,291 | £61,713 | £130,496 | 198.9% |
| Yr 15 | £24,727 | £311,593 | £17,358 | £106,767 | £218,361 | 332.9% |
| Yr 20 | £27,976 | £361,222 | £19,698 | £162,963 | £324,185 | 494.2% |
| Yr 25 | £31,653 | £418,756 | £22,345 | £231,763 | £450,518 | 686.8% |
| Yr 30 | £35,812 | £485,452 | £25,340 | £314,824 | £600,277 | 915.1% |
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 | £1,240 | 7.4% | 4.6% | £-43 | -4.9% |
| Conservative | £1,357 | 8.1% | 5.5% | £225 | 5.1% |
| Base | £1,459 | 8.8% | 6.1% | £388 | 9.5% |
| Optimistic | £1,576 | 9.5% | 6.8% | £566 | 14.4% |
| Bull | £1,722 | 10.3% | 7.6% | £771 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.75% |
| Net Yield | ●6.08% |
| Net Annual Income | £12,161 |
| Deductions: void 8% (−£1,400) · mgmt 10% (−£1,750) · maint 10% (−£1,750) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£389 |
| Cash-on-Cash Return | ●7.11% |
| 5-Year IRR | ●9.5% |
● 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 | £2,938 |
| 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 | £1,240 | 7.4% | 4.6% | £-43 | -4.9% |
| Conservative | £1,357 | 8.1% | 5.5% | £225 | 5.1% |
| Base | £1,459 | 8.8% | 6.1% | £388 | 9.5% |
| Optimistic | £1,576 | 9.5% | 6.8% | £566 | 14.4% |
| Bull | £1,722 | 10.3% | 7.6% | £771 | 20.8% |
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