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Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 57% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Total Estimated Refurb | £11,400 |
⚠ 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
- £220,000
- Property Type
- Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
⚠️ Only 2 comparable sale(s) matched 2 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 2 | — | — | — | — |
| Sector sale 2 | Detached | 5 | — | — | — | — |
| Sector sale 3 | Detached | 4 | — | — | — | — |
| Sector sale 4 | Detached | 2 | — | — | — | — |
| Sector sale 5 | Detached | 1 | — | — | — | — |
| Sector sale 6 | Detached | 5 | — | — | — | — |
| Sector sale 7 | Detached | 5 | — | — | — | — |
| Sector sale 8 | Detached | 3 | — | — | — | — |
| Sector sale 9 | Detached | 3 | — | — | — | — |
| Sector sale 10 | Detached | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 98 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £686 |
| ICR (actual) | 1.44x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 102% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £220,000 |
| Deposit (25% — 75% LTV) | £55,000 |
| SDLT (additional property, 5% surcharge) | £12,900 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £70,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £220,000 | Loan (75% LTV) | £165,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £756 |
| Rent needed (1.5×) | £1,134/mo | Estimated rent | £985/mo |
| Stress ratio | 1.3× (need ≥ 1.5×) £149 shortfall | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £545,000 |
| 75% remortgage | £408,750 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | £-1,063/mo |
| Gross margin | +£325,000 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£24,675 |
| Net profit | +£288,925 (435.1% ROI) |
| SA gross/mo | £1,076 |
| SA net/mo | £797 |
| BTL est./mo | £984 |
| SA vs BTL uplift | +£92/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £236,916 | +£16,916 | £63,522 | +£8,522 (3.9%) |
| 5 years | £248,910 | +£28,910 | £72,458 | +£17,458 (7.9%) |
| 7 years | £261,511 | +£41,511 | £81,846 | +£26,846 (12.2%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £11,814 | £226,600 | £8,061 | £-189 | £6,411 | 8.9% |
| Yr 3 | £12,412 | £240,400 | £8,492 | £77 | £20,476 | 28.4% |
| Yr 5 | £13,040 | £255,040 | £8,944 | £1,236 | £36,276 | 50.4% |
| Yr 10 | £14,754 | £295,662 | £10,178 | £8,347 | £84,008 | 116.7% |
| Yr 15 | £16,693 | £342,753 | £11,574 | £22,105 | £144,858 | 201.2% |
| Yr 20 | £18,886 | £397,344 | £13,153 | £43,385 | £220,729 | 306.6% |
| Yr 25 | £21,368 | £460,631 | £14,940 | £73,174 | £313,805 | 435.8% |
| Yr 30 | £24,176 | £533,998 | £16,962 | £112,590 | £426,588 | 592.5% |
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 | £837 | 4.6% | 2.8% | £-387 | -13.9% |
| Conservative | £916 | 5.0% | 3.3% | £-152 | -2.4% |
| Base | £985 | 5.4% | 3.7% | £-15 | 2.5% |
| Optimistic | £1,064 | 5.8% | 4.1% | £131 | 8.0% |
| Bull | £1,162 | 6.3% | 4.6% | £296 | 14.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.37% |
| Net Yield | ●3.67% |
| Net Annual Income | £8,065 |
| Deductions: void 8% (−£945) · mgmt 10% (−£1,181) · maint 10% (−£1,181) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£-14 |
| Cash-on-Cash Return | ●-0.26% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,132 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £837 | 4.6% | 2.8% | £-387 | -13.9% |
| Conservative | £916 | 5.0% | 3.3% | £-152 | -2.4% |
| Base | £985 | 5.4% | 3.7% | £-15 | 2.5% |
| Optimistic | £1,064 | 5.8% | 4.1% | £131 | 8.0% |
| Bull | £1,162 | 6.3% | 4.6% | £296 | 14.9% |
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