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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 8% above the area median. Offers anchored to area median of £78,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £3,650 |
| Entrance Hall | £350 |
| Total Estimated Refurb | £11,400 |
⚠ 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
- £85,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £7,642 | £87,550 | £5,057 | £1,869 | £4,419 | 14.9% |
| Yr 3 | £8,028 | £92,882 | £5,335 | £6,024 | £13,906 | 47.0% |
| Yr 5 | £8,435 | £98,538 | £5,628 | £10,757 | £24,295 | 82.1% |
| Yr 10 | £9,543 | £114,233 | £6,426 | £25,315 | £54,548 | 184.3% |
| Yr 15 | £10,797 | £132,427 | £7,329 | £44,172 | £91,599 | 309.5% |
| Yr 20 | £12,216 | £153,519 | £8,351 | £67,894 | £136,413 | 460.9% |
| Yr 25 | £13,821 | £177,971 | £9,506 | £97,119 | £190,091 | 642.2% |
| Yr 30 | £15,638 | £206,317 | £10,814 | £132,572 | £253,890 | 857.7% |
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?
📄 Lease Information
Estimated remaining lease: 100 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £541 | 7.6% | 4.4% | £-30 | -6.5% |
| Conservative | £592 | 8.4% | 5.3% | £85 | 3.6% |
| Base | £637 | 9.0% | 6.0% | £156 | 7.9% |
| Optimistic | £688 | 9.7% | 6.7% | £233 | 12.8% |
| Bull | £752 | 10.6% | 7.5% | £322 | 19.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.99% |
| Net Yield | ●5.95% |
| Net Annual Income | £5,059 |
| Deductions: void 8% (−£611) · mgmt 10% (−£764) · maint 10% (−£764) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £265 |
| Monthly Cashflow (IO) | ●£157 |
| Cash-on-Cash Return | ●6.32% |
| 5-Year IRR | ●7.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,250 |
| Section 24 Extra Tax/yr (higher rate) | £638 |
| SPV Annual Saving | £1,341 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £98,538 |
| Less: Purchase Price | −£85,000 |
| Less: Buying Costs (SDLT + legal) | −£6,850 |
| Less: Selling Costs (est. 2.5%) | −£2,463 |
| = CGT Net Gain (5yr) | £4,225 |
| CGT at 24% | £294 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £541 | 7.6% | 4.4% | £-30 | -6.5% |
| Conservative | £592 | 8.4% | 5.3% | £85 | 3.6% |
| Base | £637 | 9.0% | 6.0% | £156 | 7.9% |
| Optimistic | £688 | 9.7% | 6.7% | £233 | 12.8% |
| Bull | £752 | 10.6% | 7.5% | £322 | 19.0% |
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