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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 53% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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 | £1,750 |
| 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
- £50,000
- 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
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 1 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 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
Watch — 5/10Behavioural signals: 338 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £156 |
| ICR (actual) | 4.08x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £50,000 |
| Deposit (25% — 75% LTV) | £12,500 |
| SDLT (additional property, 5% surcharge) | £2,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £17,999 |
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 | £50,000 | Loan (75% LTV) | £37,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £172 |
| Rent needed (1.5×) | £258/mo | Estimated rent | £637/mo |
| Stress ratio | 3.71× (need ≥ 1.5×) +£379 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) | £108,000 |
| 75% remortgage | £81,000 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | +£77/mo |
| Gross margin | +£58,000 |
| Reno cost (est.) | –£4,750 |
| Buy + sell costs | –£7,720 |
| Net profit | +£45,530 (263.9% ROI) |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £53,845 | +£3,845 | £13,834 | +£1,334 (2.7%) |
| 5 years | £56,570 | +£6,570 | £15,865 | +£3,365 (6.7%) |
| 7 years | £59,434 | +£9,434 | £17,999 | +£5,499 (11.0%) |
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 | £7,645 | £51,500 | £5,059 | £3,184 | £4,684 | 24.5% |
| Yr 3 | £8,032 | £54,636 | £5,338 | £9,969 | £14,606 | 76.5% |
| Yr 5 | £8,439 | £57,964 | £5,631 | £17,333 | £25,297 | 132.4% |
| Yr 10 | £9,548 | £67,196 | £6,429 | £38,468 | £55,664 | 291.4% |
| Yr 15 | £10,802 | £77,898 | £7,333 | £63,904 | £91,803 | 480.6% |
| Yr 20 | £12,222 | £90,306 | £8,355 | £94,208 | £134,514 | 704.3% |
| Yr 25 | £13,828 | £104,689 | £9,511 | £130,018 | £184,707 | 967.1% |
| Yr 30 | £15,645 | £121,363 | £10,819 | £172,058 | £243,421 | 1274.5% |
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: 59 years. Below 70 years — mortgage restricted; lease extension strongly advised.
| Item | Value |
|---|---|
| Current value (short lease) | £50,000 |
| Est. freehold / extended value | £59,524 |
| Marriage value (50% to freeholder) | £4,762 |
| Est. total extension cost | £5,238 |
| Potential uplift (after extending) | £4,286 |
Estimates based on Savills/RICS relativity tables. Seek a professional lease extension valuation before proceeding.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £541 | 13.0% | 7.6% | £112 | 5.2% |
| Conservative | £592 | 14.2% | 9.1% | £206 | 13.3% |
| Base | £637 | 15.3% | 10.1% | £265 | 16.8% |
| Optimistic | £688 | 16.5% | 11.3% | £331 | 20.8% |
| Bull | £752 | 18.0% | 12.8% | £409 | 26.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.29% |
| Net Yield | ●10.12% |
| Net Annual Income | £5,059 |
| Deductions: void 8% (−£612) · mgmt 10% (−£764) · maint 10% (−£764) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £156 |
| Monthly Cashflow (IO) | ●£266 |
| Cash-on-Cash Return | ●16.67% |
| 5-Year IRR | ●16.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,500 |
| Section 24 Extra Tax/yr (higher rate) | £375 |
| SPV Annual Saving | £1,275 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £57,964 |
| Less: Purchase Price | −£50,000 |
| Less: Buying Costs (SDLT + legal) | −£5,100 |
| Less: Selling Costs (est. 2.5%) | −£1,449 |
| = CGT Net Gain (5yr) | £1,415 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £541 | 13.0% | 7.6% | £112 | 5.2% |
| Conservative | £592 | 14.2% | 9.1% | £206 | 13.3% |
| Base | £637 | 15.3% | 10.1% | £265 | 16.8% |
| Optimistic | £688 | 16.5% | 11.3% | £331 | 20.8% |
| Bull | £752 | 18.0% | 12.8% | £409 | 26.1% |
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