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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the comparable sales mean — some negotiation possible but limited margin.
🔨 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 | £600 |
| Bedroom 2 | £600 |
| Bedroom 3 | £600 |
| 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.
Property Details
- Asking Price
- £130,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 3 | — | — | — | — |
| Sector sale 8 | Terraced | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 8 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 40.8% (threshold: 40%). Comparable prices in this sector vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £405 |
| ICR (actual) | 2.3x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £130,000 |
| Deposit (25% — 75% LTV) | £32,500 |
| SDLT (additional property, 5% surcharge) | £6,600 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £42,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £130,000 | Loan (75% LTV) | £97,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £447 |
| Rent needed (1.5×) | £670/mo | Estimated rent | £934/mo |
| Stress ratio | 2.09× (need ≥ 1.5×) +£264 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £149,500 |
| 75% remortgage | £112,125 |
| Cash left in deal | £22,625 (39% recycled) |
| Est. BTL cashflow | +£140/mo |
| Gross margin | £-1,000 |
| Reno cost (est.) | –£4,750 |
| Buy + sell costs | –£12,135 |
| Net profit | £-17,885 (-48.0% ROI) |
| SA gross/mo | £1,846 |
| SA net/mo | £1,474 |
| BTL est./mo | £934 |
| SA vs BTL uplift | +£912/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £139,996 | +£9,996 | £37,217 | +£4,717 (3.6%) |
| 5 years | £147,083 | +£17,083 | £42,497 | +£9,997 (7.7%) |
| 7 years | £154,529 | +£24,529 | £48,044 | +£15,544 (12.0%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £11,206 | £133,900 | £7,623 | £2,748 | £6,648 | 15.4% |
| Yr 3 | £11,773 | £142,055 | £8,032 | £8,855 | £20,910 | 48.4% |
| Yr 5 | £12,369 | £150,706 | £8,461 | £15,810 | £36,515 | 84.5% |
| Yr 10 | £13,995 | £174,709 | £9,631 | £37,192 | £81,902 | 189.6% |
| Yr 15 | £15,834 | £202,536 | £10,955 | £64,881 | £137,416 | 318.1% |
| Yr 20 | £17,914 | £234,794 | £12,453 | £99,702 | £204,497 | 473.4% |
| Yr 25 | £20,269 | £272,191 | £14,148 | £142,596 | £284,787 | 659.2% |
| Yr 30 | £22,932 | £315,544 | £16,066 | £194,621 | £380,165 | 880.0% |
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 | £794 | 7.3% | 4.4% | £-49 | -5.9% |
| Conservative | £869 | 8.0% | 5.3% | £124 | 4.2% |
| Base | £934 | 8.6% | 5.9% | £229 | 8.6% |
| Optimistic | £1,009 | 9.3% | 6.5% | £344 | 13.6% |
| Bull | £1,102 | 10.2% | 7.4% | £476 | 20.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.62% |
| Net Yield | ●5.87% |
| Net Annual Income | £7,625 |
| Deductions: void 8% (−£896) · mgmt 10% (−£1,121) · maint 10% (−£1,121) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£230 |
| Cash-on-Cash Return | ●6.37% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,924 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £794 | 7.3% | 4.4% | £-49 | -5.9% |
| Conservative | £869 | 8.0% | 5.3% | £124 | 4.2% |
| Base | £934 | 8.6% | 5.9% | £229 | 8.6% |
| Optimistic | £1,009 | 9.3% | 6.5% | £344 | 13.6% |
| Bull | £1,102 | 10.2% | 7.4% | £476 | 20.0% |