🔒 Sign in to view the address — Walsall
Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 21% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,750 |
| Bathroom | £1,250 |
| Living Room | £800 |
| Master Bedroom | £900 |
| Bedroom 2 | £900 |
| Entrance Hall | £200 |
| 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.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | BHULLAR BUILDING CONSTRUCTION | 07588 208828 | — |
| decorator | Painter and Decorator Walsall | Top Quality Painting Contractors ... | 07954 333 229 | — |
| photographer | Dart Photography UK | Newborn Photography | 07305523296 | — |
Property Details
- Asking Price
- £90,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- 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 | £9,324 | £92,700 | £6,268 | £2,893 | £5,593 | 18.0% |
| Yr 3 | £9,796 | £98,345 | £6,608 | £9,188 | £17,533 | 56.4% |
| Yr 5 | £10,292 | £104,335 | £6,965 | £16,187 | £30,522 | 98.1% |
| Yr 10 | £11,644 | £120,952 | £7,939 | £37,011 | £67,964 | 218.5% |
| Yr 15 | £13,175 | £140,217 | £9,041 | £63,082 | £113,299 | 364.3% |
| Yr 20 | £14,906 | £162,550 | £10,287 | £95,088 | £167,638 | 539.0% |
| Yr 25 | £16,865 | £188,440 | £11,697 | £133,811 | £232,251 | 746.8% |
| Yr 30 | £19,081 | £218,454 | £13,293 | £180,131 | £308,585 | 992.2% |
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: 106 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £660 | 8.8% | 5.2% | £27 | -2.8% |
| Conservative | £723 | 9.6% | 6.2% | £159 | 6.8% |
| Base | £777 | 10.4% | 7.0% | £241 | 10.9% |
| Optimistic | £839 | 11.2% | 7.8% | £331 | 15.6% |
| Bull | £917 | 12.2% | 8.8% | £435 | 21.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.36% |
| Net Yield | ●6.96% |
| Net Annual Income | £6,268 |
| Deductions: void 8% (−£746) · mgmt 10% (−£932) · maint 10% (−£932) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£241 |
| Cash-on-Cash Return | ●9.3% |
| 5-Year IRR | ●10.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,586 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £660 | 8.8% | 5.2% | £27 | -2.8% |
| Conservative | £723 | 9.6% | 6.2% | £159 | 6.8% |
| Base | £777 | 10.4% | 7.0% | £241 | 10.9% |
| Optimistic | £839 | 11.2% | 7.8% | £331 | 15.6% |
| Bull | £917 | 12.2% | 8.8% | £435 | 21.6% |
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