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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| 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
- £160,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £15,584 | £164,800 | £10,775 | £4,775 | £9,575 | 18.1% |
| Yr 3 | £16,373 | £174,836 | £11,344 | £15,175 | £30,011 | 56.8% |
| Yr 5 | £17,202 | £185,484 | £11,940 | £26,754 | £52,237 | 98.9% |
| Yr 10 | £19,462 | £215,027 | £13,568 | £61,257 | £116,284 | 220.2% |
| Yr 15 | £22,020 | £249,275 | £15,409 | £104,530 | £193,805 | 367.1% |
| Yr 20 | £24,913 | £288,978 | £17,493 | £157,723 | £286,701 | 543.0% |
| Yr 25 | £28,187 | £335,004 | £19,850 | £222,142 | £397,146 | 752.2% |
| Yr 30 | £31,891 | £388,362 | £22,517 | £299,259 | £527,621 | 999.3% |
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 | £1,103 | 8.3% | 5.1% | £30 | -2.6% |
| Conservative | £1,207 | 9.1% | 6.1% | £258 | 7.0% |
| Base | £1,298 | 9.7% | 6.7% | £397 | 11.2% |
| Optimistic | £1,402 | 10.5% | 7.5% | £550 | 16.1% |
| Bull | £1,532 | 11.5% | 8.5% | £727 | 22.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.74% |
| Net Yield | ●6.73% |
| Net Annual Income | £10,770 |
| Deductions: void 8% (−£1,247) · mgmt 10% (−£1,558) · maint 10% (−£1,558) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£398 |
| Cash-on-Cash Return | ●9.03% |
| 5-Year IRR | ●11.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £2,592 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,103 | 8.3% | 5.1% | £30 | -2.6% |
| Conservative | £1,207 | 9.1% | 6.1% | £258 | 7.0% |
| Base | £1,298 | 9.7% | 6.7% | £397 | 11.2% |
| Optimistic | £1,402 | 10.5% | 7.5% | £550 | 16.1% |
| Bull | £1,532 | 11.5% | 8.5% | £727 | 22.3% |
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