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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 62% above the area median. Offers anchored to area median of £68,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,750 |
| Bathroom | £1,250 |
| Living Room | £800 |
| Master Bedroom | £900 |
| Bedroom 2 | £900 |
| Entrance Hall | £200 |
| 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
- £110,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 400–500 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 | £113,300 | £6,271 | £2,146 | £5,446 | 14.7% |
| Yr 3 | £9,800 | £120,200 | £6,611 | £6,946 | £17,146 | 46.2% |
| Yr 5 | £10,296 | £127,520 | £6,968 | £12,452 | £29,972 | 80.8% |
| Yr 10 | £11,649 | £147,831 | £7,943 | £29,544 | £67,375 | 181.6% |
| Yr 15 | £13,180 | £171,376 | £9,045 | £51,884 | £113,260 | 305.3% |
| Yr 20 | £14,912 | £198,672 | £10,292 | £80,162 | £168,834 | 455.1% |
| Yr 25 | £16,872 | £230,316 | £11,703 | £115,159 | £235,475 | 634.7% |
| Yr 30 | £19,089 | £266,999 | £13,299 | £157,758 | £314,756 | 848.4% |
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?
📄 Lease Information
Estimated remaining lease: 105 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £660 | 7.2% | 4.3% | £-55 | -6.8% |
| Conservative | £723 | 7.9% | 5.1% | £91 | 3.4% |
| Base | £777 | 8.5% | 5.7% | £179 | 7.8% |
| Optimistic | £839 | 9.2% | 6.4% | £275 | 12.8% |
| Bull | £917 | 10.0% | 7.2% | £385 | 19.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.48% |
| Net Yield | ●5.7% |
| Net Annual Income | £6,268 |
| Deductions: void 8% (−£746) · mgmt 10% (−£933) · maint 10% (−£933) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£179 |
| Cash-on-Cash Return | ●5.78% |
| 5-Year IRR | ●7.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,623 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £660 | 7.2% | 4.3% | £-55 | -6.8% |
| Conservative | £723 | 7.9% | 5.1% | £91 | 3.4% |
| Base | £777 | 8.5% | 5.7% | £179 | 7.8% |
| Optimistic | £839 | 9.2% | 6.4% | £275 | 12.8% |
| Bull | £917 | 10.0% | 7.2% | £385 | 19.2% |
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