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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 37% above the area median. Offers anchored to area median of £65,000. 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 | £750 |
| 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
- £90,000
- Property Type
- Apartment
- Bedrooms
- 1
- 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 | £7,641 | £92,700 | £5,057 | £1,682 | £4,382 | 14.1% |
| Yr 3 | £8,028 | £98,345 | £5,335 | £5,461 | £13,806 | 44.4% |
| Yr 5 | £8,434 | £104,335 | £5,628 | £9,818 | £24,152 | 77.7% |
| Yr 10 | £9,543 | £120,952 | £6,426 | £23,436 | £54,388 | 174.9% |
| Yr 15 | £10,797 | £140,217 | £7,329 | £41,353 | £91,570 | 294.4% |
| Yr 20 | £12,215 | £162,550 | £8,350 | £64,134 | £136,684 | 439.5% |
| Yr 25 | £13,820 | £188,440 | £9,506 | £92,420 | £190,860 | 613.7% |
| Yr 30 | £15,637 | £218,454 | £10,813 | £126,932 | £255,385 | 821.2% |
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 | £541 | 7.2% | 4.2% | £-51 | -7.6% |
| Conservative | £592 | 7.9% | 5.0% | £68 | 2.8% |
| Base | £637 | 8.5% | 5.6% | £140 | 7.1% |
| Optimistic | £688 | 9.2% | 6.3% | £219 | 12.1% |
| Bull | £752 | 10.0% | 7.1% | £309 | 18.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.49% |
| Net Yield | ●5.62% |
| Net Annual Income | £5,059 |
| Deductions: void 8% (−£611) · mgmt 10% (−£764) · maint 10% (−£764) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£141 |
| Cash-on-Cash Return | ●5.41% |
| 5-Year IRR | ●7.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,350 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £541 | 7.2% | 4.2% | £-51 | -7.6% |
| Conservative | £592 | 7.9% | 5.0% | £68 | 2.8% |
| Base | £637 | 8.5% | 5.6% | £140 | 7.1% |
| Optimistic | £688 | 9.2% | 6.3% | £219 | 12.1% |
| Bull | £752 | 10.0% | 7.1% | £309 | 18.4% |
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