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Terraced · 3 bed
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Suggested Offer Range
Asking price is 36% above the area median. Offers anchored to area median of £146,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 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
- £200,000
- 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
📈 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 | £11,140 | £206,000 | £7,576 | £76 | £6,076 | 9.3% |
| Yr 3 | £11,704 | £218,545 | £7,982 | £834 | £19,379 | 29.5% |
| Yr 5 | £12,296 | £231,855 | £8,408 | £2,435 | £34,290 | 52.3% |
| Yr 10 | £13,912 | £268,783 | £9,572 | £10,410 | £79,193 | 120.7% |
| Yr 15 | £15,741 | £311,593 | £10,888 | £24,653 | £136,247 | 207.7% |
| Yr 20 | £17,809 | £361,222 | £12,377 | £45,989 | £207,211 | 315.9% |
| Yr 25 | £20,149 | £418,756 | £14,062 | £75,348 | £294,103 | 448.3% |
| Yr 30 | £22,797 | £485,452 | £15,969 | £113,785 | £399,237 | 608.6% |
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
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● 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 | £789 | 4.7% | 2.9% | £-337 | -13.4% |
| Conservative | £863 | 5.2% | 3.4% | £-120 | -2.0% |
| Base | £928 | 5.6% | 3.8% | £6 | 2.8% |
| Optimistic | £1,002 | 6.0% | 4.2% | £142 | 8.3% |
| Bull | £1,095 | 6.6% | 4.8% | £295 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.57% |
| Net Yield | ●3.79% |
| Net Annual Income | £7,573 |
| Deductions: void 8% (−£891) · mgmt 10% (−£1,114) · maint 10% (−£1,114) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£7 |
| Cash-on-Cash Return | ●0.11% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,046 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £789 | 4.7% | 2.9% | £-337 | -13.4% |
| Conservative | £863 | 5.2% | 3.4% | £-120 | -2.0% |
| Base | £928 | 5.6% | 3.8% | £6 | 2.8% |
| Optimistic | £1,002 | 6.0% | 4.2% | £142 | 8.3% |
| Bull | £1,095 | 6.6% | 4.8% | £295 | 15.1% |
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