🔒 Sign in to view the address
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 25% 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: 7/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,750 |
| Bathroom | £1,250 |
| Living Room | £800 |
| Master Bedroom | £1,750 |
| Entrance Hall | £200 |
| 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
- £130,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 400–500 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 | £9,854 | £133,900 | £6,650 | £1,775 | £5,675 | 13.1% |
| Yr 3 | £10,353 | £142,055 | £7,009 | £5,861 | £17,916 | 41.5% |
| Yr 5 | £10,877 | £150,706 | £7,386 | £10,693 | £31,399 | 72.7% |
| Yr 10 | £12,306 | £174,709 | £8,416 | £26,287 | £70,996 | 164.3% |
| Yr 15 | £13,923 | £202,536 | £9,580 | £47,425 | £119,961 | 277.7% |
| Yr 20 | £15,753 | £234,794 | £10,897 | £74,836 | £179,631 | 415.8% |
| Yr 25 | £17,823 | £272,191 | £12,388 | £109,345 | £251,536 | 582.3% |
| Yr 30 | £20,165 | £315,544 | £14,074 | £151,884 | £337,429 | 781.1% |
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: 101 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 6.4% | 3.8% | £-112 | -8.7% |
| Conservative | £764 | 7.0% | 4.6% | £51 | 1.9% |
| Base | £821 | 7.6% | 5.1% | £148 | 6.4% |
| Optimistic | £887 | 8.2% | 5.7% | £253 | 11.6% |
| Bull | £969 | 8.9% | 6.5% | £374 | 18.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.58% |
| Net Yield | ●5.11% |
| Net Annual Income | £6,648 |
| Deductions: void 8% (−£788) · mgmt 10% (−£985) · maint 10% (−£985) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£149 |
| Cash-on-Cash Return | ●4.1% |
| 5-Year IRR | ●6.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,735 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 6.4% | 3.8% | £-112 | -8.7% |
| Conservative | £764 | 7.0% | 4.6% | £51 | 1.9% |
| Base | £821 | 7.6% | 5.1% | £148 | 6.4% |
| Optimistic | £887 | 8.2% | 5.7% | £253 | 11.6% |
| Bull | £969 | 8.9% | 6.5% | £374 | 18.1% |
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 →