🔒 Sign in to view the address
Maisonette · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 38% 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: 8/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Total Estimated Refurb | £1,900 |
⚠ 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
- £160,000
- Property Type
- Maisonette
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £13,431 | £169,950 | £9,225 | £3,038 | £7,988 | 14.7% |
| Yr 3 | £14,111 | £180,300 | £9,715 | £9,845 | £25,145 | 46.2% |
| Yr 5 | £14,825 | £191,280 | £10,229 | £17,668 | £43,948 | 80.8% |
| Yr 10 | £16,773 | £221,746 | £11,632 | £42,015 | £98,761 | 181.5% |
| Yr 15 | £18,978 | £257,065 | £13,219 | £73,920 | £165,985 | 305.1% |
| Yr 20 | £21,471 | £298,008 | £15,014 | £114,375 | £247,383 | 454.7% |
| Yr 25 | £24,293 | £345,473 | £17,046 | £164,504 | £344,977 | 634.1% |
| Yr 30 | £27,485 | £400,498 | £19,344 | £225,578 | £461,076 | 847.6% |
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: 118 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 6.9% | 4.2% | £-89 | -6.8% |
| Conservative | £1,041 | 7.6% | 5.0% | £124 | 3.5% |
| Base | £1,119 | 8.1% | 5.6% | £253 | 7.9% |
| Optimistic | £1,209 | 8.8% | 6.2% | £393 | 13.0% |
| Bull | £1,320 | 9.6% | 7.0% | £554 | 19.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.14% |
| Net Yield | ●5.59% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,042) · mgmt 10% (−£1,302) · maint 10% (−£1,302) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £515 |
| Monthly Cashflow (IO) | ●£254 |
| Cash-on-Cash Return | ●5.58% |
| 5-Year IRR | ●7.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £2,300 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 6.9% | 4.2% | £-89 | -6.8% |
| Conservative | £1,041 | 7.6% | 5.0% | £124 | 3.5% |
| Base | £1,119 | 8.1% | 5.6% | £253 | 7.9% |
| Optimistic | £1,209 | 8.8% | 6.2% | £393 | 13.0% |
| Bull | £1,320 | 9.6% | 7.0% | £554 | 19.4% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →