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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 15% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 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 | 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
- £150,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £11,910 | £154,500 | £8,130 | £2,505 | £7,005 | 14.1% |
| Yr 3 | £12,513 | £163,909 | £8,564 | £8,164 | £22,073 | 44.5% |
| Yr 5 | £13,146 | £173,891 | £9,020 | £14,724 | £38,615 | 77.9% |
| Yr 10 | £14,874 | £201,587 | £10,264 | £35,371 | £86,959 | 175.3% |
| Yr 15 | £16,829 | £233,695 | £11,672 | £62,720 | £146,415 | 295.2% |
| Yr 20 | £19,040 | £270,917 | £13,264 | £97,651 | £218,567 | 440.7% |
| Yr 25 | £21,542 | £314,067 | £15,065 | £141,160 | £305,226 | 615.4% |
| Yr 30 | £24,373 | £364,089 | £17,103 | £194,374 | £408,464 | 823.5% |
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 | £843 | 6.7% | 4.1% | £-98 | -7.5% |
| Conservative | £923 | 7.4% | 4.9% | £93 | 2.9% |
| Base | £992 | 7.9% | 5.4% | £208 | 7.4% |
| Optimistic | £1,071 | 8.6% | 6.0% | £334 | 12.5% |
| Bull | £1,171 | 9.4% | 6.8% | £478 | 19.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.94% |
| Net Yield | ●5.42% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£953) · mgmt 10% (−£1,191) · maint 10% (−£1,191) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£209 |
| Cash-on-Cash Return | ●5.04% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,059 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 6.7% | 4.1% | £-98 | -7.5% |
| Conservative | £923 | 7.4% | 4.9% | £93 | 2.9% |
| Base | £992 | 7.9% | 5.4% | £208 | 7.4% |
| Optimistic | £1,071 | 8.6% | 6.0% | £334 | 12.5% |
| Bull | £1,171 | 9.4% | 6.8% | £478 | 19.0% |
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