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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | £900 |
| Bedroom 2 | £900 |
| 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
- 2
- 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 | £12,519 | £133,900 | £8,569 | £3,694 | £7,594 | 17.6% |
| Yr 3 | £13,153 | £142,055 | £9,025 | £11,763 | £23,817 | 55.1% |
| Yr 5 | £13,819 | £150,706 | £9,504 | £20,779 | £41,484 | 96.0% |
| Yr 10 | £15,635 | £174,709 | £10,812 | £47,784 | £92,493 | 214.1% |
| Yr 15 | £17,689 | £202,536 | £12,291 | £81,833 | £154,368 | 357.3% |
| Yr 20 | £20,014 | £234,794 | £13,965 | £123,851 | £228,646 | 529.3% |
| Yr 25 | £22,643 | £272,191 | £15,858 | £174,887 | £317,078 | 734.0% |
| Yr 30 | £25,619 | £315,544 | £18,001 | £236,125 | £421,669 | 976.1% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — West Midlands ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 83 years. Below 85 years — approaching mortgage threshold; consider a lease extension.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £887 | 8.2% | 5.0% | £11 | -3.3% |
| Conservative | £970 | 9.0% | 5.9% | £195 | 6.5% |
| Base | £1,043 | 9.6% | 6.6% | £308 | 10.7% |
| Optimistic | £1,126 | 10.4% | 7.4% | £431 | 15.6% |
| Bull | £1,231 | 11.4% | 8.3% | £573 | 21.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.63% |
| Net Yield | ●6.59% |
| Net Annual Income | £8,567 |
| Deductions: void 8% (−£1,002) · mgmt 10% (−£1,252) · maint 10% (−£1,252) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£309 |
| Cash-on-Cash Return | ●8.55% |
| 5-Year IRR | ●10.7% |
● 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 | £2,107 |
| 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 | £887 | 8.2% | 5.0% | £11 | -3.3% |
| Conservative | £970 | 9.0% | 5.9% | £195 | 6.5% |
| Base | £1,043 | 9.6% | 6.6% | £308 | 10.7% |
| Optimistic | £1,126 | 10.4% | 7.4% | £431 | 15.6% |
| Bull | £1,231 | 11.4% | 8.3% | £573 | 21.7% |
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