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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £224,995
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 2 | — | — | — | — |
| Sector sale 2 | Semi | 3 | — | — | — | — |
■ Above subject ■ Below subject
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 104 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £702 |
| ICR (actual) | 1.1x |
| Feasibility | REFER |
| Notes: Rental coverage 78% — below 100% stressed coverage, most lenders will decline | |
| 💲 Total Cash Required | |
| Purchase Price | £224,995 |
| Deposit (25% — 75% LTV) | £56,248 |
| SDLT (additional property, 5% surcharge) | £13,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £72,497 |
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 | £224,995 | Loan (75% LTV) | £168,746 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £773 |
| Rent needed (1.5×) | £1,160/mo | Estimated rent | £770/mo |
| Stress ratio | 1.0× (need ≥ 1.5×) £390 shortfall | ||
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 |
| Cash left in deal | Unknown |
| SA gross/mo | £1,040 |
| SA net/mo | £765 |
| BTL est./mo | £771 |
| SA vs BTL uplift | +£269/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £242,295 | +£17,300 | £64,982 | +£8,734 (3.9%) |
| 5 years | £254,561 | +£29,566 | £74,121 | +£17,872 (7.9%) |
| 7 years | £267,448 | +£42,453 | £83,722 | +£27,473 (12.2%) |
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.
Finance This Investment
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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 | £9,247 | £231,745 | £6,213 | £-2,224 | £4,526 | 6.1% |
| Yr 3 | £9,715 | £245,858 | £6,550 | £-6,169 | £14,694 | 20.0% |
| Yr 5 | £10,207 | £260,831 | £6,904 | £-9,415 | £26,421 | 35.9% |
| Yr 10 | £11,549 | £302,374 | £7,870 | £-14,230 | £63,149 | 85.8% |
| Yr 15 | £13,066 | £350,535 | £8,963 | £-13,843 | £111,697 | 151.8% |
| Yr 20 | £14,783 | £406,366 | £10,199 | £-7,569 | £173,802 | 236.1% |
| Yr 25 | £16,726 | £471,090 | £11,598 | £5,366 | £251,461 | 341.7% |
| Yr 30 | £18,924 | £546,122 | £13,180 | £25,837 | £346,964 | 471.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £654 | 3.5% | 2.1% | £-526 | -17.4% |
| Conservative | £716 | 3.8% | 2.5% | £-309 | -5.2% |
| Base | £770 | 4.1% | 2.8% | £-186 | -0.1% |
| Optimistic | £832 | 4.4% | 3.1% | £-54 | 5.6% |
| Bull | £909 | 4.8% | 3.5% | £91 | 12.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●4.11% |
| Net Yield | ●2.76% |
| Net Annual Income | £6,208 |
| Deductions: void 8% (−£740) · mgmt 10% (−£925) · maint 10% (−£925) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £702 |
| Monthly Cashflow (IO) | ●£-185 |
| Cash-on-Cash Return | ●-3.03% |
| 5-Year IRR | ●-0.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,269 |
| SPV Annual Saving | £1,269 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,831 |
| Less: Purchase Price | −£224,995 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,465 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £654 | 3.5% | 2.1% | £-526 | -17.4% |
| Conservative | £716 | 3.8% | 2.5% | £-309 | -5.2% |
| Base | £770 | 4.1% | 2.8% | £-186 | -0.1% |
| Optimistic | £832 | 4.4% | 3.1% | £-54 | 5.6% |
| Bull | £909 | 4.8% | 3.5% | £91 | 12.7% |
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