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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · 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 | Builders & Grounds Maintenance Wolverhampton | Extensions ... | 07510783234 | — |
| decorator | Wombourne Decorating Services Ltd: Home - Painting contractors | 07753 172 707 | — |
| photographer | Ray Ashmore Photography - Wolverhampton Wedding ... | +447875636190 | — |
Property Details
- Asking Price
- £99,995
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
⚠️ Only 1 comparable sale(s) matched 2 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 1 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 3 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
| Sector sale 6 | Flat | 0 | — | — | — | — |
| Sector sale 7 | Flat | 3 | — | — | — | — |
| Sector sale 8 | Flat | 3 | — | — | — | — |
| Sector sale 9 | Flat | 2 | — | — | — | — |
| Sector sale 10 | Flat | 1 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 67 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £312 |
| ICR (actual) | 2.64x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £99,995 |
| Deposit (25% — 75% LTV) | £24,998 |
| SDLT (additional property, 5% surcharge) | £5,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,997 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £99,995 | Loan (75% LTV) | £74,996 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £344 |
| Rent needed (1.5×) | £516/mo | Estimated rent | £824/mo |
| Stress ratio | 2.4× (need ≥ 1.5×) +£308 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £120,000 |
| 75% remortgage | £90,000 |
| Cash left in deal | £14,745 (50% recycled) |
| Est. BTL cashflow | +£161/mo |
| Gross margin | +£20,005 |
| Reno cost (est.) | –£4,750 |
| Buy + sell costs | –£10,400 |
| Net profit | +£4,855 (16.3% ROI) |
| SA gross/mo | £1,040 |
| SA net/mo | £765 |
| BTL est./mo | £824 |
| SA vs BTL uplift | +£216/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £107,684 | +£7,689 | £28,447 | +£3,448 (3.4%) |
| 5 years | £113,135 | +£13,140 | £32,508 | +£7,509 (7.5%) |
| 7 years | £118,863 | +£18,868 | £36,775 | +£11,776 (11.8%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £9,890 | £102,995 | £6,675 | £2,926 | £5,925 | 17.4% |
| Yr 3 | £10,390 | £109,267 | £7,036 | £9,315 | £18,588 | 54.5% |
| Yr 5 | £10,916 | £115,922 | £7,415 | £16,453 | £32,380 | 95.0% |
| Yr 10 | £12,351 | £134,385 | £8,447 | £37,825 | £72,215 | 211.8% |
| Yr 15 | £13,974 | £155,789 | £9,616 | £64,761 | £120,555 | 353.5% |
| Yr 20 | £15,810 | £180,602 | £10,938 | £97,993 | £178,600 | 523.8% |
| Yr 25 | £17,887 | £209,367 | £12,434 | £138,348 | £247,720 | 726.5% |
| Yr 30 | £20,238 | £242,714 | £14,126 | £186,762 | £329,481 | 966.3% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — West Midlands ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 140 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £700 | 8.4% | 5.0% | £12 | -3.5% |
| Conservative | £766 | 9.2% | 6.0% | £156 | 6.2% |
| Base | £824 | 9.9% | 6.7% | £244 | 10.4% |
| Optimistic | £890 | 10.7% | 7.5% | £340 | 15.1% |
| Bull | £972 | 11.7% | 8.4% | £452 | 21.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.89% |
| Net Yield | ●6.67% |
| Net Annual Income | £6,674 |
| Deductions: void 8% (−£791) · mgmt 10% (−£989) · maint 10% (−£989) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£244 |
| Cash-on-Cash Return | ●8.58% |
| 5-Year IRR | ●10.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,683 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,922 |
| Less: Purchase Price | −£99,995 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £700 | 8.4% | 5.0% | £12 | -3.5% |
| Conservative | £766 | 9.2% | 6.0% | £156 | 6.2% |
| Base | £824 | 9.9% | 6.7% | £244 | 10.4% |
| Optimistic | £890 | 10.7% | 7.5% | £340 | 15.1% |
| Bull | £972 | 11.7% | 8.4% | £452 | 21.3% |
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