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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 19% 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 | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £3,650 |
| Entrance Hall | £350 |
| 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
- £85,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
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 | — | — | — | — |
| Sector sale 4 | Flat | 1 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 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
Standard — 3/10Behavioural signals: 125 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £265 |
| ICR (actual) | 3.1x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £85,000 |
| Deposit (25% — 75% LTV) | £21,250 |
| SDLT (additional property, 5% surcharge) | £4,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £28,499 |
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 | £85,000 | Loan (75% LTV) | £63,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £292 |
| Rent needed (1.5×) | £438/mo | Estimated rent | £821/mo |
| Stress ratio | 2.81× (need ≥ 1.5×) +£383 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) | £120,000 |
| 75% remortgage | £90,000 |
| Cash left in deal | £6,400 (80% recycled) |
| Est. BTL cashflow | +£159/mo |
| Gross margin | +£35,000 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£9,650 |
| Net profit | +£13,950 (42.7% ROI) |
| SA gross/mo | £1,018 |
| SA net/mo | £746 |
| BTL est./mo | £821 |
| SA vs BTL uplift | +£197/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £91,536 | +£6,536 | £24,064 | +£2,814 (3.3%) |
| 5 years | £96,170 | +£11,170 | £27,516 | +£6,266 (7.4%) |
| 7 years | £101,038 | +£16,038 | £31,144 | +£9,894 (11.6%) |
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 | £9,852 | £87,550 | £6,648 | £3,461 | £6,011 | 20.3% |
| Yr 3 | £10,350 | £92,882 | £7,007 | £10,918 | £18,800 | 63.5% |
| Yr 5 | £10,874 | £98,538 | £7,384 | £19,121 | £32,659 | 110.3% |
| Yr 10 | £12,303 | £114,233 | £8,413 | £43,141 | £72,374 | 244.5% |
| Yr 15 | £13,920 | £132,427 | £9,577 | £72,705 | £120,132 | 405.9% |
| Yr 20 | £15,749 | £153,519 | £10,894 | £108,540 | £177,060 | 598.2% |
| Yr 25 | £17,819 | £177,971 | £12,384 | £151,471 | £244,442 | 825.8% |
| Yr 30 | £20,160 | £206,317 | £14,070 | £202,430 | £323,748 | 1093.7% |
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: 119 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 9.9% | 5.9% | £71 | 0.0% |
| Conservative | £764 | 10.8% | 7.0% | £205 | 9.1% |
| Base | £821 | 11.6% | 7.8% | £288 | 13.1% |
| Optimistic | £887 | 12.5% | 8.7% | £380 | 17.6% |
| Bull | £969 | 13.7% | 9.9% | £487 | 23.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.59% |
| Net Yield | ●7.82% |
| Net Annual Income | £6,648 |
| Deductions: void 8% (−£788) · mgmt 10% (−£985) · maint 10% (−£985) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £265 |
| Monthly Cashflow (IO) | ●£289 |
| Cash-on-Cash Return | ●11.69% |
| 5-Year IRR | ●13.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,250 |
| Section 24 Extra Tax/yr (higher rate) | £638 |
| SPV Annual Saving | £1,650 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £98,538 |
| Less: Purchase Price | −£85,000 |
| Less: Buying Costs (SDLT + legal) | −£6,850 |
| Less: Selling Costs (est. 2.5%) | −£2,463 |
| = CGT Net Gain (5yr) | £4,225 |
| CGT at 24% | £294 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 9.9% | 5.9% | £71 | 0.0% |
| Conservative | £764 | 10.8% | 7.0% | £205 | 9.1% |
| Base | £821 | 11.6% | 7.8% | £288 | 13.1% |
| Optimistic | £887 | 12.5% | 8.7% | £380 | 17.6% |
| Bull | £969 | 13.7% | 9.9% | £487 | 23.5% |
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