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End of Terrace · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 19% 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: 8/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £750 |
| Bathroom | £550 |
| Living Room | £300 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,900 |
⚠ 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
- End of Terrace
- Bedrooms
- 2
- 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 | £9,328 | £164,800 | £6,271 | £271 | £5,071 | 9.6% |
| Yr 3 | £9,800 | £174,836 | £6,611 | £1,321 | £16,158 | 30.6% |
| Yr 5 | £10,296 | £185,484 | £6,968 | £3,077 | £28,561 | 54.1% |
| Yr 10 | £11,649 | £215,027 | £7,943 | £10,794 | £65,820 | 124.7% |
| Yr 15 | £13,180 | £249,275 | £9,045 | £23,759 | £113,033 | 214.1% |
| Yr 20 | £14,912 | £288,978 | £10,292 | £42,662 | £171,640 | 325.1% |
| Yr 25 | £16,872 | £335,004 | £11,703 | £68,284 | £243,288 | 460.8% |
| Yr 30 | £19,089 | £388,362 | £13,299 | £101,508 | £329,870 | 624.8% |
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 | £660 | 5.0% | 2.9% | £-258 | -13.0% |
| Conservative | £723 | 5.4% | 3.5% | £-81 | -1.7% |
| Base | £777 | 5.8% | 3.9% | £22 | 3.1% |
| Optimistic | £839 | 6.3% | 4.4% | £134 | 8.5% |
| Bull | £917 | 6.9% | 4.9% | £260 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.83% |
| Net Yield | ●3.92% |
| Net Annual Income | £6,268 |
| Deductions: void 8% (−£746) · mgmt 10% (−£933) · maint 10% (−£933) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£23 |
| Cash-on-Cash Return | ●0.51% |
| 5-Year IRR | ●3.1% |
● 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 | £1,717 |
| 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 | £660 | 5.0% | 2.9% | £-258 | -13.0% |
| Conservative | £723 | 5.4% | 3.5% | £-81 | -1.7% |
| Base | £777 | 5.8% | 3.9% | £22 | 3.1% |
| Optimistic | £839 | 6.3% | 4.4% | £134 | 8.5% |
| Bull | £917 | 6.9% | 4.9% | £260 | 15.3% |
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