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Terraced · 3 bed
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Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £188,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 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 | 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
- £245,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 sqft
- 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 | £13,426 | £252,350 | £9,222 | £34 | £7,384 | 9.2% |
| Yr 3 | £14,106 | £267,718 | £9,711 | £834 | £23,552 | 29.4% |
| Yr 5 | £14,820 | £284,022 | £10,225 | £2,649 | £41,671 | 52.1% |
| Yr 10 | £16,767 | £329,260 | £11,627 | £11,975 | £96,234 | 120.3% |
| Yr 15 | £18,971 | £381,702 | £13,214 | £28,855 | £165,557 | 206.9% |
| Yr 20 | £21,463 | £442,497 | £15,009 | £54,283 | £251,780 | 314.7% |
| Yr 25 | £24,284 | £512,976 | £17,039 | £89,381 | £357,357 | 446.7% |
| Yr 30 | £27,475 | £594,679 | £19,337 | £135,420 | £485,099 | 606.4% |
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
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● 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 | 4.7% | 2.8% | £-414 | -13.5% |
| Conservative | £1,041 | 5.1% | 3.4% | £-151 | -2.1% |
| Base | £1,119 | 5.5% | 3.8% | £3 | 2.8% |
| Optimistic | £1,209 | 5.9% | 4.2% | £168 | 8.3% |
| Bull | £1,320 | 6.5% | 4.7% | £354 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.48% |
| Net Yield | ●3.76% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,074) · mgmt 10% (−£1,343) · maint 10% (−£1,343) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£5 |
| Cash-on-Cash Return | ●0.04% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,838 |
| SPV Annual Saving | £2,450 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 4.7% | 2.8% | £-414 | -13.5% |
| Conservative | £1,041 | 5.1% | 3.4% | £-151 | -2.1% |
| Base | £1,119 | 5.5% | 3.8% | £3 | 2.8% |
| Optimistic | £1,209 | 5.9% | 4.2% | £168 | 8.3% |
| Bull | £1,320 | 6.5% | 4.7% | £354 | 15.2% |
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