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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 31% above the area median. Offers anchored to area median of £248,000. 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 | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| 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
- £325,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £18,785 | £334,750 | £13,080 | £893 | £10,643 | 9.9% |
| Yr 3 | £19,736 | £355,136 | £13,765 | £3,701 | £33,837 | 31.4% |
| Yr 5 | £20,735 | £376,764 | £14,484 | £7,930 | £59,694 | 55.3% |
| Yr 10 | £23,460 | £436,773 | £16,446 | £25,203 | £136,976 | 127.0% |
| Yr 15 | £26,543 | £506,339 | £18,666 | £53,045 | £234,385 | 217.3% |
| Yr 20 | £30,031 | £586,986 | £21,177 | £92,847 | £354,833 | 329.0% |
| Yr 25 | £33,977 | £680,478 | £24,018 | £146,178 | £501,656 | 465.1% |
| Yr 30 | £38,442 | £788,860 | £27,233 | £214,818 | £678,678 | 629.3% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,330 | 4.9% | 3.1% | £-493 | -12.7% |
| Conservative | £1,455 | 5.4% | 3.6% | £-135 | -1.6% |
| Base | £1,565 | 5.8% | 4.0% | £74 | 3.2% |
| Optimistic | £1,690 | 6.2% | 4.5% | £300 | 8.6% |
| Bull | £1,847 | 6.8% | 5.0% | £554 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.78% |
| Net Yield | ●4.02% |
| Net Annual Income | £13,077 |
| Deductions: void 8% (−£1,503) · mgmt 10% (−£1,878) · maint 10% (−£1,878) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,014 |
| Monthly Cashflow (IO) | ●£76 |
| Cash-on-Cash Return | ●0.82% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,500 |
| SDLT Effective Rate | 6.92% |
| SDLT (Company) | £22,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,438 |
| SPV Annual Saving | £3,350 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £376,764 |
| Less: Purchase Price | −£325,000 |
| Less: Buying Costs (SDLT + legal) | −£25,100 |
| Less: Selling Costs (est. 2.5%) | −£9,419 |
| = CGT Net Gain (5yr) | £17,245 |
| CGT at 24% | £3,419 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,330 | 4.9% | 3.1% | £-493 | -12.7% |
| Conservative | £1,455 | 5.4% | 3.6% | £-135 | -1.6% |
| Base | £1,565 | 5.8% | 4.0% | £74 | 3.2% |
| Optimistic | £1,690 | 6.2% | 4.5% | £300 | 8.6% |
| Bull | £1,847 | 6.8% | 5.0% | £554 | 15.4% |
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