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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £191,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,750 |
| Bathroom | £1,250 |
| Living Room | £800 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| 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
- £250,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £18,775 | £257,500 | £13,073 | £3,698 | £11,198 | 13.7% |
| Yr 3 | £19,725 | £273,182 | £13,757 | £12,116 | £35,298 | 43.3% |
| Yr 5 | £20,724 | £289,819 | £14,476 | £21,955 | £61,774 | 75.7% |
| Yr 10 | £23,447 | £335,979 | £16,437 | £53,247 | £139,226 | 170.6% |
| Yr 15 | £26,529 | £389,492 | £18,656 | £95,104 | £234,596 | 287.5% |
| Yr 20 | £30,015 | £451,528 | £21,166 | £148,913 | £350,440 | 429.5% |
| Yr 25 | £33,959 | £523,444 | £24,005 | £216,245 | £489,689 | 600.1% |
| Yr 30 | £38,421 | £606,816 | £27,218 | £298,877 | £655,692 | 803.5% |
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 | £1,330 | 6.4% | 4.0% | £-188 | -7.9% |
| Conservative | £1,455 | 7.0% | 4.7% | £122 | 2.5% |
| Base | £1,565 | 7.5% | 5.2% | £308 | 7.1% |
| Optimistic | £1,690 | 8.1% | 5.8% | £511 | 12.2% |
| Bull | £1,847 | 8.9% | 6.6% | £741 | 18.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.51% |
| Net Yield | ●5.23% |
| Net Annual Income | £13,077 |
| Deductions: void 8% (−£1,502) · mgmt 10% (−£1,878) · maint 10% (−£1,878) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£310 |
| Cash-on-Cash Return | ●4.54% |
| 5-Year IRR | ●7.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £3,209 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,330 | 6.4% | 4.0% | £-188 | -7.9% |
| Conservative | £1,455 | 7.0% | 4.7% | £122 | 2.5% |
| Base | £1,565 | 7.5% | 5.2% | £308 | 7.1% |
| Optimistic | £1,690 | 8.1% | 5.8% | £511 | 12.2% |
| Bull | £1,847 | 8.9% | 6.6% | £741 | 18.8% |
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