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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 13% below the area median — some negotiation possible but limited margin. 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 | £600 |
| Bedroom 2 | £600 |
| Bedroom 3 | £600 |
| 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
- £160,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £14,832 | £164,800 | £10,234 | £4,234 | £9,034 | 17.1% |
| Yr 3 | £15,583 | £174,836 | £10,775 | £13,510 | £28,346 | 53.7% |
| Yr 5 | £16,372 | £185,484 | £11,343 | £23,908 | £49,391 | 93.5% |
| Yr 10 | £18,523 | £215,027 | £12,892 | £55,191 | £110,218 | 208.7% |
| Yr 15 | £20,957 | £249,275 | £14,644 | £94,821 | £184,096 | 348.7% |
| Yr 20 | £23,711 | £288,978 | £16,627 | £143,892 | £272,870 | 516.8% |
| Yr 25 | £26,827 | £335,004 | £18,870 | £203,647 | £378,652 | 717.1% |
| Yr 30 | £30,352 | £388,362 | £21,409 | £275,489 | £503,851 | 954.3% |
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 | £1,051 | 7.9% | 4.8% | £-4 | -3.8% |
| Conservative | £1,149 | 8.6% | 5.8% | £218 | 6.0% |
| Base | £1,236 | 9.3% | 6.4% | £353 | 10.3% |
| Optimistic | £1,335 | 10.0% | 7.1% | £501 | 15.2% |
| Bull | £1,458 | 10.9% | 8.0% | £671 | 21.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.27% |
| Net Yield | ●6.4% |
| Net Annual Income | £10,234 |
| Deductions: void 8% (−£1,187) · mgmt 10% (−£1,483) · maint 10% (−£1,483) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£354 |
| Cash-on-Cash Return | ●8.02% |
| 5-Year IRR | ●10.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £2,488 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,051 | 7.9% | 4.8% | £-4 | -3.8% |
| Conservative | £1,149 | 8.6% | 5.8% | £218 | 6.0% |
| Base | £1,236 | 9.3% | 6.4% | £353 | 10.3% |
| Optimistic | £1,335 | 10.0% | 7.1% | £501 | 15.2% |
| Bull | £1,458 | 10.9% | 8.0% | £671 | 21.4% |
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