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End of Terrace · 3 bed
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Suggested Offer Range
Asking price is 47% above the area median. Offers anchored to area median of £129,000. 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
- £190,000
- Property Type
- End of Terrace
- 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 | £11,134 | £195,700 | £7,571 | £446 | £6,146 | 9.9% |
| Yr 3 | £11,698 | £207,618 | £7,977 | £1,946 | £19,564 | 31.4% |
| Yr 5 | £12,290 | £220,262 | £8,404 | £4,287 | £34,549 | 55.4% |
| Yr 10 | £13,905 | £255,344 | £9,566 | £14,112 | £79,456 | 127.3% |
| Yr 15 | £15,732 | £296,014 | £10,882 | £30,201 | £136,215 | 218.3% |
| Yr 20 | £17,799 | £343,161 | £12,371 | £53,378 | £206,539 | 331.0% |
| Yr 25 | £20,138 | £397,818 | £14,055 | £84,575 | £292,393 | 468.6% |
| Yr 30 | £22,785 | £461,180 | £15,960 | £124,845 | £396,025 | 634.7% |
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 | 5.0% | 3.0% | £-296 | -12.7% |
| Conservative | £863 | 5.5% | 3.6% | £-86 | -1.4% |
| Base | £928 | 5.9% | 4.0% | £37 | 3.4% |
| Optimistic | £1,002 | 6.3% | 4.4% | £170 | 8.8% |
| Bull | £1,095 | 6.9% | 5.0% | £320 | 15.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.86% |
| Net Yield | ●3.99% |
| Net Annual Income | £7,573 |
| Deductions: void 8% (−£891) · mgmt 10% (−£1,113) · maint 10% (−£1,113) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£38 |
| Cash-on-Cash Return | ●0.72% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £2,027 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £789 | 5.0% | 3.0% | £-296 | -12.7% |
| Conservative | £863 | 5.5% | 3.6% | £-86 | -1.4% |
| Base | £928 | 5.9% | 4.0% | £37 | 3.4% |
| Optimistic | £1,002 | 6.3% | 4.4% | £170 | 8.8% |
| Bull | £1,095 | 6.9% | 5.0% | £320 | 15.6% |
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