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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 42% above the area median. Offers anchored to area median of £211,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| Bedroom 4 | £200 |
| Total Estimated Refurb | £1,900 |
⚠ 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 | Builders Dudley | 07969388120 | — |
| decorator | Interior Decorating Tipton | D. Barrett | 07891 964989 | — |
| photographer | Nick Graham - Dudley Photographer | 07715979834 | — |
Property Details
- Asking Price
- £300,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £16,620 | £309,000 | £11,521 | £271 | £9,271 | 9.4% |
| Yr 3 | £17,461 | £327,818 | £12,127 | £1,719 | £29,537 | 29.8% |
| Yr 5 | £18,345 | £347,782 | £12,764 | £4,424 | £52,207 | 52.7% |
| Yr 10 | £20,756 | £403,175 | £14,499 | £17,114 | £120,289 | 121.4% |
| Yr 15 | £23,484 | £467,390 | £16,463 | £39,156 | £206,546 | 208.4% |
| Yr 20 | £26,570 | £541,833 | £18,685 | £71,778 | £313,611 | 316.5% |
| Yr 25 | £30,061 | £628,133 | £21,199 | £116,370 | £444,504 | 448.5% |
| Yr 30 | £34,011 | £728,179 | £24,043 | £174,507 | £602,686 | 608.2% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,178 | 4.7% | 2.9% | £-490 | -13.3% |
| Conservative | £1,289 | 5.2% | 3.5% | £-166 | -2.1% |
| Base | £1,386 | 5.5% | 3.8% | £23 | 2.8% |
| Optimistic | £1,497 | 6.0% | 4.3% | £227 | 8.2% |
| Bull | £1,635 | 6.5% | 4.8% | £456 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.54% |
| Net Yield | ●3.84% |
| Net Annual Income | £11,530 |
| Deductions: void 8% (−£1,330) · mgmt 10% (−£1,662) · maint 10% (−£1,662) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £936 |
| Monthly Cashflow (IO) | ●£25 |
| Cash-on-Cash Return | ●0.28% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,000 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £20,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £3,002 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,782 |
| Less: Purchase Price | −£300,000 |
| Less: Buying Costs (SDLT + legal) | −£22,600 |
| Less: Selling Costs (est. 2.5%) | −£8,695 |
| = CGT Net Gain (5yr) | £16,487 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,178 | 4.7% | 2.9% | £-490 | -13.3% |
| Conservative | £1,289 | 5.2% | 3.5% | £-166 | -2.1% |
| Base | £1,386 | 5.5% | 3.8% | £23 | 2.8% |
| Optimistic | £1,497 | 6.0% | 4.3% | £227 | 8.2% |
| Bull | £1,635 | 6.5% | 4.8% | £456 | 15.1% |
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