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Semi-Detached · 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
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
- £225,000
- 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 | £13,432 | £231,750 | £9,226 | £789 | £7,539 | 10.2% |
| Yr 3 | £14,113 | £245,864 | £9,716 | £3,098 | £23,962 | 32.6% |
| Yr 5 | £14,827 | £260,837 | £10,230 | £6,424 | £42,260 | 57.4% |
| Yr 10 | £16,775 | £302,381 | £11,633 | £19,527 | £96,909 | 131.7% |
| Yr 15 | £18,980 | £350,543 | £13,220 | £40,189 | £165,732 | 225.2% |
| Yr 20 | £21,474 | £406,375 | £15,016 | £69,403 | £250,778 | 340.7% |
| Yr 25 | £24,296 | £471,100 | £17,048 | £108,291 | £354,391 | 481.5% |
| Yr 30 | £27,488 | £546,134 | £19,347 | £158,126 | £479,260 | 651.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | 5.1% | 3.1% | £-333 | -12.2% |
| Conservative | £1,041 | 5.6% | 3.7% | £-82 | -1.0% |
| Base | £1,119 | 6.0% | 4.1% | £65 | 3.7% |
| Optimistic | £1,209 | 6.4% | 4.6% | £224 | 9.1% |
| Bull | £1,320 | 7.0% | 5.2% | £404 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.97% |
| Net Yield | ●4.1% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,075) · mgmt 10% (−£1,343) · maint 10% (−£1,343) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £702 |
| Monthly Cashflow (IO) | ●£67 |
| Cash-on-Cash Return | ●1.07% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,688 |
| SPV Annual Saving | £2,413 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,837 |
| Less: Purchase Price | −£225,000 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,466 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 5.1% | 3.1% | £-333 | -12.2% |
| Conservative | £1,041 | 5.6% | 3.7% | £-82 | -1.0% |
| Base | £1,119 | 6.0% | 4.1% | £65 | 3.7% |
| Optimistic | £1,209 | 6.4% | 4.6% | £224 | 9.1% |
| Bull | £1,320 | 7.0% | 5.2% | £404 | 15.9% |
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