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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 46% above the area median. Offers anchored to area median of £157,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £600 |
| Bedroom 2 | £600 |
| Bedroom 3 | £600 |
| 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 | Local, trusted builders in Birmingham T.A Smith Builders Ltd | 0121 475 4151 | — |
| decorator | Painting and Decorating Birmingham | Decorating Contractors ... | 0121 706 3125 | — |
| photographer | Birmingham photographer | 01839066789 | — |
Property Details
- Asking Price
- £230,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £13,432 | £236,900 | £9,226 | £601 | £7,501 | 10.0% |
| Yr 3 | £14,112 | £251,327 | £9,716 | £2,534 | £23,862 | 31.7% |
| Yr 5 | £14,826 | £266,633 | £10,230 | £5,484 | £42,117 | 56.0% |
| Yr 10 | £16,775 | £309,101 | £11,633 | £17,648 | £96,749 | 128.7% |
| Yr 15 | £18,979 | £358,333 | £13,220 | £37,370 | £165,703 | 220.3% |
| Yr 20 | £21,473 | £415,406 | £15,016 | £65,643 | £251,049 | 333.8% |
| Yr 25 | £24,295 | £481,569 | £17,047 | £103,591 | £355,160 | 472.3% |
| Yr 30 | £27,487 | £558,270 | £19,346 | £152,485 | £480,755 | 639.3% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 5.0% | 3.0% | £-353 | -12.5% |
| Conservative | £1,041 | 5.4% | 3.6% | £-99 | -1.3% |
| Base | £1,119 | 5.8% | 4.0% | £50 | 3.5% |
| Optimistic | £1,209 | 6.3% | 4.5% | £210 | 8.9% |
| Bull | £1,320 | 6.9% | 5.0% | £391 | 15.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.84% |
| Net Yield | ●4.01% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,075) · mgmt 10% (−£1,343) · maint 10% (−£1,343) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£52 |
| Cash-on-Cash Return | ●0.8% |
| 5-Year IRR | ●3.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £2,422 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 5.0% | 3.0% | £-353 | -12.5% |
| Conservative | £1,041 | 5.4% | 3.6% | £-99 | -1.3% |
| Base | £1,119 | 5.8% | 4.0% | £50 | 3.5% |
| Optimistic | £1,209 | 6.3% | 4.5% | £210 | 8.9% |
| Bull | £1,320 | 6.9% | 5.0% | £391 | 15.7% |
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