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Terraced · 3 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: 4/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| 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
- £180,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £185,400 | £10,234 | £3,484 | £8,884 | 15.0% |
| Yr 3 | £15,583 | £196,691 | £10,775 | £11,260 | £27,951 | 47.2% |
| Yr 5 | £16,372 | £208,669 | £11,343 | £20,158 | £48,827 | 82.5% |
| Yr 10 | £18,523 | £241,905 | £12,892 | £47,691 | £109,596 | 185.1% |
| Yr 15 | £20,957 | £280,434 | £14,644 | £83,571 | £184,005 | 310.8% |
| Yr 20 | £23,711 | £325,100 | £16,627 | £128,892 | £273,992 | 462.8% |
| Yr 25 | £26,827 | £376,880 | £18,870 | £184,897 | £381,777 | 644.9% |
| Yr 30 | £30,352 | £436,907 | £21,409 | £252,989 | £509,896 | 861.3% |
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
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● 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 | 7.0% | 4.3% | £-85 | -6.4% |
| Conservative | £1,149 | 7.7% | 5.1% | £149 | 3.8% |
| Base | £1,236 | 8.2% | 5.7% | £290 | 8.3% |
| Optimistic | £1,335 | 8.9% | 6.3% | £444 | 13.3% |
| Bull | £1,458 | 9.7% | 7.1% | £621 | 19.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.24% |
| Net Yield | ●5.69% |
| 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 | £561 |
| Monthly Cashflow (IO) | ●£292 |
| Cash-on-Cash Return | ●5.89% |
| 5-Year IRR | ●8.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,525 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,051 | 7.0% | 4.3% | £-85 | -6.4% |
| Conservative | £1,149 | 7.7% | 5.1% | £149 | 3.8% |
| Base | £1,236 | 8.2% | 5.7% | £290 | 8.3% |
| Optimistic | £1,335 | 8.9% | 6.3% | £444 | 13.3% |
| Bull | £1,458 | 9.7% | 7.1% | £621 | 19.7% |
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