🔒 Sign in to view the address — Stoke-On-Trent
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| 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
- £95,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £9,360 | £103,000 | £6,294 | £2,544 | £5,544 | 16.3% |
| Yr 3 | £9,834 | £109,273 | £6,635 | £8,142 | £17,415 | 51.1% |
| Yr 5 | £10,332 | £115,927 | £6,994 | £14,448 | £30,376 | 89.1% |
| Yr 10 | £11,689 | £134,392 | £7,971 | £33,552 | £67,943 | 199.2% |
| Yr 15 | £13,225 | £155,797 | £9,077 | £57,922 | £113,719 | 333.5% |
| Yr 20 | £14,963 | £180,611 | £10,329 | £88,251 | £168,862 | 495.2% |
| Yr 25 | £16,930 | £209,378 | £11,744 | £125,321 | £234,699 | 688.3% |
| Yr 30 | £19,154 | £242,726 | £13,346 | £170,019 | £312,745 | 917.1% |
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 | £663 | 8.0% | 4.7% | £-12 | -4.9% |
| Conservative | £725 | 8.7% | 5.6% | £127 | 5.0% |
| Base | £780 | 9.4% | 6.3% | £212 | 9.3% |
| Optimistic | £842 | 10.1% | 7.0% | £305 | 14.1% |
| Bull | £920 | 11.0% | 7.9% | £412 | 20.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.36% |
| Net Yield | ●6.29% |
| Net Annual Income | £6,294 |
| Deductions: void 8% (−£711) · mgmt 10% (−£889) · maint 10% (−£889) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£212 |
| Cash-on-Cash Return | ●7.46% |
| 5-Year IRR | ●9.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,609 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £663 | 8.0% | 4.7% | £-12 | -4.9% |
| Conservative | £725 | 8.7% | 5.6% | £127 | 5.0% |
| Base | £780 | 9.4% | 6.3% | £212 | 9.3% |
| Optimistic | £842 | 10.1% | 7.0% | £305 | 14.1% |
| Bull | £920 | 11.0% | 7.9% | £412 | 20.3% |
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