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Flat · 1 bed
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Suggested Offer Range
Already 39% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £78,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 400–500 sqft
- 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 1-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 1 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 1 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 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 — 5/10Behavioural signals: 106 days on marketBelow market valueTenanted investment
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £243 |
| ICR (actual) | 2.77x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £78,000 |
| Deposit (25% — 75% LTV) | £19,500 |
| SDLT (additional property, 5% surcharge) | £3,900 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £26,399 |
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 | £78,000 | Loan (75% LTV) | £58,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £268 |
| Rent needed (1.5×) | £402/mo | Estimated rent | £675/mo |
| Stress ratio | 2.52× (need ≥ 1.5×) +£273 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 |
| Cash left in deal | Unknown |
| SA gross/mo | £984 |
| SA net/mo | £716 |
| BTL est./mo | £675 |
| SA vs BTL uplift | +£309/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £83,997 | +£5,997 | £22,018 | +£2,518 (3.2%) |
| 5 years | £88,250 | +£10,250 | £25,186 | +£5,686 (7.3%) |
| 7 years | £92,717 | +£14,717 | £28,515 | +£9,015 (11.6%) |
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 | £8,096 | £80,340 | £5,384 | £2,459 | £4,799 | 17.5% |
| Yr 3 | £8,506 | £85,233 | £5,680 | £7,819 | £15,052 | 54.7% |
| Yr 5 | £8,937 | £90,423 | £5,990 | £13,791 | £26,215 | 95.3% |
| Yr 10 | £10,111 | £104,825 | £6,835 | £31,609 | £58,435 | 212.5% |
| Yr 15 | £11,440 | £121,521 | £7,792 | £53,983 | £97,504 | 354.6% |
| Yr 20 | £12,943 | £140,877 | £8,874 | £81,510 | £144,387 | 525.0% |
| Yr 25 | £14,644 | £163,315 | £10,099 | £114,870 | £200,184 | 727.9% |
| Yr 30 | £16,569 | £189,326 | £11,484 | £154,827 | £266,153 | 967.8% |
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 | £574 | 8.8% | 5.2% | £19 | -3.5% |
| Conservative | £628 | 9.7% | 6.2% | £134 | 6.2% |
| Base | £675 | 10.4% | 6.9% | £205 | 10.2% |
| Optimistic | £729 | 11.2% | 7.7% | £283 | 14.9% |
| Bull | £796 | 12.3% | 8.7% | £373 | 20.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.38% |
| Net Yield | ●6.91% |
| Net Annual Income | £5,387 |
| Deductions: void 8% (−£648) · mgmt 10% (−£810) · maint 10% (−£810) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £243 |
| Monthly Cashflow (IO) | ●£206 |
| Cash-on-Cash Return | ●8.95% |
| 5-Year IRR | ●10.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,900 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,900 |
| Section 24 Extra Tax/yr (higher rate) | £585 |
| SPV Annual Saving | £1,391 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £90,423 |
| Less: Purchase Price | −£78,000 |
| Less: Buying Costs (SDLT + legal) | −£6,500 |
| Less: Selling Costs (est. 2.5%) | −£2,261 |
| = CGT Net Gain (5yr) | £3,662 |
| CGT at 24% | £159 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £574 | 8.8% | 5.2% | £19 | -3.5% |
| Conservative | £628 | 9.7% | 6.2% | £134 | 6.2% |
| Base | £675 | 10.4% | 6.9% | £205 | 10.2% |
| Optimistic | £729 | 11.2% | 7.7% | £283 | 14.9% |
| Bull | £796 | 12.3% | 8.7% | £373 | 20.9% |