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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 23% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| 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 | 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
- £170,000
- 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
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 5 | — | — | — | — |
| Sector sale 2 | Semi | 7 | — | — | — | — |
| Sector sale 3 | Semi | 5 | — | — | — | — |
| Sector sale 4 | Semi | 6 | — | — | — | — |
| Sector sale 5 | Semi | 4 | — | — | — | — |
| Sector sale 6 | Semi | 5 | — | — | — | — |
| Sector sale 7 | Semi | 5 | — | — | — | — |
| Sector sale 8 | Semi | 4 | — | — | — | — |
| Sector sale 9 | Semi | 5 | — | — | — | — |
| Sector sale 10 | Semi | 6 | — | — | — | — |
■ 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
Active — 7/10Behavioural signals: 70 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £530 |
| ICR (actual) | 1.55x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 111% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £170,000 |
| Deposit (25% — 75% LTV) | £42,500 |
| SDLT (additional property, 5% surcharge) | £9,400 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £54,899 |
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 | £170,000 | Loan (75% LTV) | £127,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £584 |
| Rent needed (1.5×) | £877/mo | Estimated rent | £824/mo |
| Stress ratio | 1.41× (need ≥ 1.5×) £53 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 |
| GDV (comp median) | £240,000 |
| 75% remortgage | £180,000 |
| Cash left in deal | £1,400 (97% recycled) |
| Est. BTL cashflow | £-214/mo |
| Gross margin | +£70,000 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£16,600 |
| Net profit | +£42,000 (77.9% 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 | £183,071 | +£13,071 | £48,908 | +£6,408 (3.8%) |
| 5 years | £192,339 | +£22,339 | £55,813 | +£13,313 (7.8%) |
| 7 years | £202,077 | +£32,077 | £63,067 | +£20,567 (12.1%) |
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 | £9,894 | £175,100 | £6,679 | £304 | £5,404 | 9.6% |
| Yr 3 | £10,395 | £185,764 | £7,039 | £1,450 | £17,213 | 30.7% |
| Yr 5 | £10,921 | £197,077 | £7,418 | £3,344 | £30,421 | 54.3% |
| Yr 10 | £12,356 | £228,466 | £8,452 | £11,609 | £70,075 | 125.1% |
| Yr 15 | £13,980 | £264,854 | £9,621 | £25,441 | £120,296 | 214.8% |
| Yr 20 | £15,817 | £307,039 | £10,943 | £45,572 | £182,611 | 326.1% |
| Yr 25 | £17,896 | £355,942 | £12,440 | £72,829 | £258,771 | 462.1% |
| Yr 30 | £20,247 | £412,635 | £14,133 | £108,149 | £350,783 | 626.4% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £700 | 4.9% | 3.0% | £-272 | -13.0% |
| Conservative | £766 | 5.4% | 3.5% | £-85 | -1.6% |
| Base | £824 | 5.8% | 3.9% | £25 | 3.1% |
| Optimistic | £890 | 6.3% | 4.4% | £143 | 8.6% |
| Bull | £972 | 6.9% | 5.0% | £277 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.82% |
| Net Yield | ●3.93% |
| Net Annual Income | £6,674 |
| Deductions: void 8% (−£792) · mgmt 10% (−£989) · maint 10% (−£989) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£26 |
| Cash-on-Cash Return | ●0.53% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £1,814 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £700 | 4.9% | 3.0% | £-272 | -13.0% |
| Conservative | £766 | 5.4% | 3.5% | £-85 | -1.6% |
| Base | £824 | 5.8% | 3.9% | £25 | 3.1% |
| Optimistic | £890 | 6.3% | 4.4% | £143 | 8.6% |
| Bull | £972 | 6.9% | 5.0% | £277 | 15.4% |
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