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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 39% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 2/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £7,850 |
| Bathroom | £5,750 |
| Living Room | £3,400 |
| Hallway / Stairs | £1,300 |
| Master Bedroom | £1,950 |
| Bedroom 2 | £1,950 |
| Bedroom 3 | £1,950 |
| Bedroom 4 | £1,950 |
| Total Estimated Refurb | £23,750 |
⚠ 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
- £160,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 4 | — | — | — | — |
| Sector sale 2 | Semi | 4 | — | — | — | — |
| Sector sale 3 | Semi | 4 | — | — | — | — |
| Sector sale 4 | Semi | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 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
Watch — 4/10Behavioural signals: 141 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £632 |
| ICR (actual) | 2.05x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £160,000 |
| Deposit (25% — 75% LTV) | £40,000 |
| SDLT (additional property, 5% surcharge) | £11,690 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £54,689 |
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 | £160,000 | Loan (75% LTV) | £120,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £550 |
| Rent needed (1.5×) | £825/mo | Estimated rent | £1,298/mo |
| Stress ratio | 2.36× (need ≥ 1.5×) +£473 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) | £280,000 |
| 75% remortgage | £210,000 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-209/mo |
| Gross margin | +£120,000 |
| Reno cost (est.) | –£23,750 |
| Buy + sell costs | –£16,500 |
| Net profit | +£79,750 (125.1% ROI) |
| SA gross/mo | £2,407 |
| SA net/mo | £1,968 |
| BTL est./mo | £1,024 |
| SA vs BTL uplift | +£1,383/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £172,302 | +£12,302 | £45,985 | +£5,985 (3.7%) |
| 5 years | £181,025 | +£21,025 | £52,484 | +£12,484 (7.8%) |
| 7 years | £190,190 | +£30,190 | £59,311 | +£19,311 (12.1%) |
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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All yield, cashflow, SDLT, CGT and mortgage figures on this page are calculated on the estimated effective purchase cost — not the guide price shown above.
| Guide price | £160,000 |
| Estimated hammer (mid) | £192,000 (guide × 1.20 — typical range is +10–35%) |
| Buyer’s premium (4% + VAT = 4.8%) | £9,216 |
| Legal fees (est.) | £1,500 |
| Effective purchase cost | £202,716 (+26.7% vs guide) |
Guide prices can change before auction day. Always verify the reserve price and obtain legal pack before bidding.
📈 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 | £12,288 | £164,800 | £8,402 | £2,402 | £7,202 | 13.6% |
| Yr 3 | £12,910 | £174,836 | £8,850 | £7,876 | £22,712 | 43.0% |
| Yr 5 | £13,564 | £185,484 | £9,321 | £14,280 | £39,763 | 75.3% |
| Yr 10 | £15,346 | £215,027 | £10,604 | £34,670 | £89,697 | 169.9% |
| Yr 15 | £17,363 | £249,275 | £12,056 | £61,975 | £151,250 | 286.5% |
| Yr 20 | £19,644 | £288,978 | £13,699 | £97,103 | £226,081 | 428.2% |
| Yr 25 | £22,226 | £335,004 | £15,557 | £141,081 | £316,086 | 598.6% |
| Yr 30 | £25,146 | £388,362 | £17,660 | £195,073 | £423,435 | 802.0% |
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 | £1,103 | 6.5% | 4.0% | £-143 | -7.7% |
| Conservative | £1,207 | 7.1% | 4.8% | £111 | 2.7% |
| Base | £1,298 | 7.7% | 5.3% | £264 | 7.2% |
| Optimistic | £1,402 | 8.3% | 5.9% | £430 | 12.4% |
| Bull | £1,532 | 9.1% | 6.7% | £620 | 18.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.68% |
| Net Yield | ●5.31% |
| Net Annual Income | £10,770 |
| Deductions: void 8% (−£983) · mgmt 10% (−£1,229) · maint 10% (−£1,229) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £632 |
| Monthly Cashflow (IO) | ●£266 |
| Cash-on-Cash Return | ●4.77% |
| 5-Year IRR | ●7.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,690 |
| SDLT Effective Rate | 5.77% |
| SDLT (Company) | £11,690 |
| Section 24 Extra Tax/yr (higher rate) | £1,520 |
| SPV Annual Saving | £2,672 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £235,003 |
| Less: Purchase Price | −£202,716 |
| Less: Buying Costs (SDLT + legal) | −£14,290 |
| Less: Selling Costs (est. 2.5%) | −£5,875 |
| = CGT Net Gain (5yr) | £12,122 |
| CGT at 24% | £2,189 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,103 | 6.5% | 4.0% | £-143 | -7.7% |
| Conservative | £1,207 | 7.1% | 4.8% | £111 | 2.7% |
| Base | £1,298 | 7.7% | 5.3% | £264 | 7.2% |
| Optimistic | £1,402 | 8.3% | 5.9% | £430 | 12.4% |
| Bull | £1,532 | 9.1% | 6.7% | £620 | 18.9% |