🔒 Sign in to view the address
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 125% above the area median. Offers anchored to area median of £98,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £900 |
| Bedroom 2 | £900 |
| Bedroom 3 | £900 |
| Bedroom 4 | £900 |
| Total Estimated Refurb | £11,400 |
⚠ 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 | Keith Pownall & Sons | 07831 888601 | — |
| decorator | Attention2detail - professional painter and decorator Stoke-on-Trent | 07895372789 | — |
| photographer | STUDIO 21 PHOTOGRAPHY STOKE | 07928 426265 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Terraced
- 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 | £12,782 | £226,600 | £8,758 | £508 | £7,108 | 9.9% |
| Yr 3 | £13,429 | £240,400 | £9,224 | £2,220 | £22,620 | 31.4% |
| Yr 5 | £14,109 | £255,040 | £9,713 | £4,899 | £39,939 | 55.5% |
| Yr 10 | £15,963 | £295,662 | £11,048 | £16,155 | £91,817 | 127.5% |
| Yr 15 | £18,061 | £342,753 | £12,559 | £34,603 | £157,356 | 218.6% |
| Yr 20 | £20,434 | £397,344 | £14,267 | £61,189 | £238,533 | 331.3% |
| Yr 25 | £23,119 | £460,631 | £16,201 | £96,980 | £337,611 | 468.9% |
| Yr 30 | £26,157 | £533,998 | £18,388 | £143,188 | £457,186 | 635.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £905 | 4.9% | 3.0% | £-342 | -12.7% |
| Conservative | £990 | 5.4% | 3.6% | £-100 | -1.4% |
| Base | £1,065 | 5.8% | 4.0% | £42 | 3.4% |
| Optimistic | £1,150 | 6.3% | 4.4% | £195 | 8.8% |
| Bull | £1,257 | 6.9% | 5.0% | £368 | 15.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.81% |
| Net Yield | ●3.98% |
| Net Annual Income | £8,757 |
| Deductions: void 8% (−£1,023) · mgmt 10% (−£1,278) · maint 10% (−£1,278) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£44 |
| Cash-on-Cash Return | ●0.7% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,313 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £905 | 4.9% | 3.0% | £-342 | -12.7% |
| Conservative | £990 | 5.4% | 3.6% | £-100 | -1.4% |
| Base | £1,065 | 5.8% | 4.0% | £42 | 3.4% |
| Optimistic | £1,150 | 6.3% | 4.4% | £195 | 8.8% |
| Bull | £1,257 | 6.9% | 5.0% | £368 | 15.6% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →