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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 10% below the comparable sales mean — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · 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.
Property Details
- Asking Price
- £140,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
⚠️ Only 2 comparable sale(s) matched 3 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 3 | — | — | — | — |
| Sector sale 2 | Terraced | 2 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 2 | — | — | — | — |
| Sector sale 6 | Terraced | 1 | — | — | — | — |
| Sector sale 7 | Terraced | 2 | — | — | — | — |
| Sector sale 8 | Terraced | 2 | — | — | — | — |
| Sector sale 9 | Terraced | 3 | — | — | — | — |
| Sector sale 10 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Active — 6/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £437 |
| ICR (actual) | 2.26x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £140,000 |
| Deposit (25% — 75% LTV) | £35,000 |
| SDLT (additional property, 5% surcharge) | £7,300 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £45,299 |
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 | £140,000 | Loan (75% LTV) | £105,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £481 |
| Rent needed (1.5×) | £722/mo | Estimated rent | £988/mo |
| Stress ratio | 2.05× (need ≥ 1.5×) +£266 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) | £185,000 |
| 75% remortgage | £138,750 |
| Cash left in deal | £12,650 (73% recycled) |
| Est. BTL cashflow | +£64/mo |
| Gross margin | +£45,000 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£13,675 |
| Net profit | +£19,925 (42.9% ROI) |
| SA gross/mo | £1,846 |
| SA net/mo | £1,474 |
| BTL est./mo | £988 |
| SA vs BTL uplift | +£858/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £150,765 | +£10,765 | £40,140 | +£5,140 (3.7%) |
| 5 years | £158,397 | +£18,397 | £45,826 | +£10,826 (7.7%) |
| 7 years | £166,416 | +£26,416 | £51,800 | +£16,800 (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 | £11,858 | £144,200 | £8,093 | £2,843 | £7,043 | 15.2% |
| Yr 3 | £12,458 | £152,982 | £8,525 | £9,174 | £22,156 | 47.7% |
| Yr 5 | £13,089 | £162,298 | £8,979 | £16,402 | £38,701 | 83.4% |
| Yr 10 | £14,809 | £188,148 | £10,217 | £38,702 | £86,850 | 187.2% |
| Yr 15 | £16,755 | £218,115 | £11,619 | £67,673 | £145,789 | 314.2% |
| Yr 20 | £18,957 | £252,856 | £13,204 | £104,194 | £217,050 | 467.8% |
| Yr 25 | £21,448 | £293,129 | £14,997 | £149,256 | £302,385 | 651.7% |
| Yr 30 | £24,266 | £339,817 | £17,027 | £203,981 | £403,797 | 870.3% |
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 | £840 | 7.2% | 4.4% | £-60 | -6.2% |
| Conservative | £919 | 7.9% | 5.2% | £125 | 4.0% |
| Base | £988 | 8.5% | 5.8% | £237 | 8.4% |
| Optimistic | £1,067 | 9.1% | 6.5% | £359 | 13.4% |
| Bull | £1,166 | 10.0% | 7.3% | £499 | 19.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.47% |
| Net Yield | ●5.78% |
| Net Annual Income | £8,091 |
| Deductions: void 8% (−£949) · mgmt 10% (−£1,186) · maint 10% (−£1,186) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£237 |
| Cash-on-Cash Return | ●6.12% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £2,034 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £840 | 7.2% | 4.4% | £-60 | -6.2% |
| Conservative | £919 | 7.9% | 5.2% | £125 | 4.0% |
| Base | £988 | 8.5% | 5.8% | £237 | 8.4% |
| Optimistic | £1,067 | 9.1% | 6.5% | £359 | 13.4% |
| Bull | £1,166 | 10.0% | 7.3% | £499 | 19.8% |