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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £92,000. 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 | £750 |
| Bathroom | £550 |
| Living Room | £300 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Entrance Hall | £50 |
| 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 & Grounds Maintenance Wolverhampton | Extensions ... | 07510783234 | — |
| decorator | Wombourne Decorating Services Ltd: Home - Painting contractors | 07753 172 707 | — |
| photographer | Ray Ashmore Photography - Wolverhampton Wedding ... | +447875636190 | — |
Property Details
- Asking Price
- £120,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £9,888 | £123,600 | £6,674 | £2,174 | £5,774 | 14.4% |
| Yr 3 | £10,389 | £131,127 | £7,035 | £7,061 | £18,189 | 45.4% |
| Yr 5 | £10,915 | £139,113 | £7,413 | £12,697 | £31,810 | 79.3% |
| Yr 10 | £12,349 | £161,270 | £8,446 | £30,311 | £71,581 | 178.5% |
| Yr 15 | £13,971 | £186,956 | £9,614 | £53,489 | £120,445 | 300.4% |
| Yr 20 | £15,807 | £216,733 | £10,936 | £82,962 | £179,695 | 448.1% |
| Yr 25 | £17,885 | £251,253 | £12,432 | £119,556 | £250,810 | 625.5% |
| Yr 30 | £20,235 | £291,271 | £14,124 | £164,209 | £335,481 | 836.6% |
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?
📄 Lease Information
Estimated remaining lease: 105 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £700 | 7.0% | 4.2% | £-69 | -7.1% |
| Conservative | £766 | 7.7% | 5.0% | £87 | 3.2% |
| Base | £824 | 8.2% | 5.6% | £181 | 7.6% |
| Optimistic | £890 | 8.9% | 6.2% | £284 | 12.7% |
| Bull | £972 | 9.7% | 7.0% | £402 | 19.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.24% |
| Net Yield | ●5.56% |
| Net Annual Income | £6,674 |
| Deductions: void 8% (−£791) · mgmt 10% (−£989) · maint 10% (−£989) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£182 |
| Cash-on-Cash Return | ●5.42% |
| 5-Year IRR | ●7.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £1,720 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £700 | 7.0% | 4.2% | £-69 | -7.1% |
| Conservative | £766 | 7.7% | 5.0% | £87 | 3.2% |
| Base | £824 | 8.2% | 5.6% | £181 | 7.6% |
| Optimistic | £890 | 8.9% | 6.2% | £284 | 12.7% |
| Bull | £972 | 9.7% | 7.0% | £402 | 19.1% |
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