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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 32% 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 | £900 |
| Bedroom 2 | £900 |
| Bedroom 3 | £900 |
| Bedroom 4 | £900 |
| 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
- £390,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,400–1,500 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
🔍 Filtered to 4-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Detached | 4 | — | — | — | — |
| Sector sale 2 | Detached | 4 | — | — | — | — |
| Sector sale 3 | Detached | 4 | — | — | — | — |
| Sector sale 4 | Detached | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 4 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
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £1,216 |
| ICR (actual) | 1.52x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 109% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £390,000 |
| Deposit (25% — 75% LTV) | £97,500 |
| SDLT (additional property, 5% surcharge) | £29,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £129,499 |
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 | £390,000 | Loan (75% LTV) | £292,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £1,341 |
| Rent needed (1.5×) | £2,011/mo | Estimated rent | £1,849/mo |
| Stress ratio | 1.38× (need ≥ 1.5×) £162 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 | £-501/mo |
| Gross margin | +£155,000 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£40,775 |
| Net profit | +£102,825 (94.4% ROI) |
| SA gross/mo | £1,578 |
| SA net/mo | £1,239 |
| BTL est./mo | £1,849 |
| SA vs BTL uplift | £-271/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £419,987 | +£29,987 | £113,211 | +£15,711 (4.0%) |
| 5 years | £441,249 | +£51,249 | £129,051 | +£31,551 (8.1%) |
| 7 years | £463,587 | +£73,587 | £145,693 | +£48,193 (12.4%) |
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 | £22,191 | £401,700 | £15,533 | £908 | £12,608 | 9.7% |
| Yr 3 | £23,314 | £426,164 | £16,341 | £3,931 | £40,094 | 30.7% |
| Yr 5 | £24,495 | £452,117 | £17,191 | £8,633 | £70,750 | 54.2% |
| Yr 10 | £27,714 | £524,127 | £19,509 | £28,302 | £162,430 | 124.4% |
| Yr 15 | £31,355 | £607,607 | £22,131 | £60,458 | £278,065 | 212.9% |
| Yr 20 | £35,476 | £704,383 | £25,097 | £106,740 | £421,124 | 322.5% |
| Yr 25 | £40,137 | £816,573 | £28,454 | £169,006 | £595,580 | 456.0% |
| Yr 30 | £45,412 | £946,632 | £32,252 | £249,356 | £805,989 | 617.1% |
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
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 | £1,572 | 4.8% | 3.0% | £-600 | -13.0% |
| Conservative | £1,720 | 5.3% | 3.6% | £-174 | -1.9% |
| Base | £1,849 | 5.7% | 4.0% | £75 | 2.8% |
| Optimistic | £1,997 | 6.1% | 4.4% | £344 | 8.2% |
| Bull | £2,182 | 6.7% | 5.0% | £646 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.69% |
| Net Yield | ●3.98% |
| Net Annual Income | £15,530 |
| Deductions: void 8% (−£1,775) · mgmt 10% (−£2,219) · maint 10% (−£2,219) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,216 |
| Monthly Cashflow (IO) | ●£78 |
| Cash-on-Cash Return | ●0.69% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £29,000 |
| SDLT Effective Rate | 7.44% |
| SDLT (Company) | £29,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,925 |
| SPV Annual Saving | £3,949 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £452,117 |
| Less: Purchase Price | −£390,000 |
| Less: Buying Costs (SDLT + legal) | −£31,600 |
| Less: Selling Costs (est. 2.5%) | −£11,303 |
| = CGT Net Gain (5yr) | £19,214 |
| CGT at 24% | £3,891 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,572 | 4.8% | 3.0% | £-600 | -13.0% |
| Conservative | £1,720 | 5.3% | 3.6% | £-174 | -1.9% |
| Base | £1,849 | 5.7% | 4.0% | £75 | 2.8% |
| Optimistic | £1,997 | 6.1% | 4.4% | £344 | 8.2% |
| Bull | £2,182 | 6.7% | 5.0% | £646 | 15.0% |