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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 6% above the area median. Offers anchored to area median of £222,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 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 | £1,200 |
| 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
- £235,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £13,418 | £242,050 | £9,216 | £404 | £7,454 | 9.7% |
| Yr 3 | £14,098 | £256,791 | £9,705 | £1,942 | £23,733 | 30.9% |
| Yr 5 | £14,812 | £272,429 | £10,219 | £4,496 | £41,925 | 54.6% |
| Yr 10 | £16,758 | £315,820 | £11,621 | £15,664 | £96,485 | 125.6% |
| Yr 15 | £18,960 | £366,122 | £13,206 | £34,384 | £165,506 | 215.5% |
| Yr 20 | £21,451 | £424,436 | £15,000 | £61,645 | £251,081 | 326.9% |
| Yr 25 | £24,270 | £492,038 | £17,030 | £98,572 | £355,609 | 463.0% |
| Yr 30 | £27,460 | £570,407 | £19,326 | £146,433 | £481,840 | 627.4% |
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 | £951 | 4.9% | 3.0% | £-374 | -12.9% |
| Conservative | £1,041 | 5.3% | 3.5% | £-116 | -1.6% |
| Base | £1,119 | 5.7% | 3.9% | £34 | 3.2% |
| Optimistic | £1,209 | 6.2% | 4.4% | £196 | 8.7% |
| Bull | £1,320 | 6.7% | 4.9% | £379 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.71% |
| Net Yield | ●3.92% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,073) · mgmt 10% (−£1,342) · maint 10% (−£1,342) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £733 |
| Monthly Cashflow (IO) | ●£36 |
| Cash-on-Cash Return | ●0.53% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,950 |
| SDLT Effective Rate | 5.94% |
| SDLT (Company) | £13,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,762 |
| SPV Annual Saving | £2,431 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £272,429 |
| Less: Purchase Price | −£235,000 |
| Less: Buying Costs (SDLT + legal) | −£16,550 |
| Less: Selling Costs (est. 2.5%) | −£6,811 |
| = CGT Net Gain (5yr) | £14,068 |
| CGT at 24% | £2,656 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 4.9% | 3.0% | £-374 | -12.9% |
| Conservative | £1,041 | 5.3% | 3.5% | £-116 | -1.6% |
| Base | £1,119 | 5.7% | 3.9% | £34 | 3.2% |
| Optimistic | £1,209 | 6.2% | 4.4% | £196 | 8.7% |
| Bull | £1,320 | 6.7% | 4.9% | £379 | 15.5% |
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