🔒 Sign in to view the address
Semi-Detached · 2 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 | £1,750 |
| 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
- £205,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- 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 | £11,910 | £211,150 | £8,131 | £443 | £6,593 | 9.8% |
| Yr 3 | £12,513 | £224,009 | £8,565 | £1,978 | £20,987 | 31.2% |
| Yr 5 | £13,147 | £237,651 | £9,021 | £4,413 | £37,065 | 55.2% |
| Yr 10 | £14,875 | £275,503 | £10,265 | £14,750 | £85,253 | 126.9% |
| Yr 15 | £16,829 | £319,383 | £11,672 | £31,789 | £146,172 | 217.5% |
| Yr 20 | £19,041 | £370,253 | £13,264 | £56,410 | £221,663 | 329.9% |
| Yr 25 | £21,543 | £429,224 | £15,066 | £89,609 | £313,834 | 467.0% |
| Yr 30 | £24,374 | £497,589 | £17,104 | £132,515 | £425,104 | 632.6% |
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 | £843 | 4.9% | 3.0% | £-322 | -12.8% |
| Conservative | £923 | 5.4% | 3.6% | £-96 | -1.5% |
| Base | £992 | 5.8% | 4.0% | £37 | 3.3% |
| Optimistic | £1,071 | 6.3% | 4.4% | £179 | 8.7% |
| Bull | £1,171 | 6.9% | 5.0% | £340 | 15.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.81% |
| Net Yield | ●3.96% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£953) · mgmt 10% (−£1,191) · maint 10% (−£1,191) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £639 |
| Monthly Cashflow (IO) | ●£38 |
| Cash-on-Cash Return | ●0.65% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,850 |
| SDLT Effective Rate | 5.78% |
| SDLT (Company) | £11,850 |
| Section 24 Extra Tax/yr (higher rate) | £1,538 |
| SPV Annual Saving | £2,162 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £237,651 |
| Less: Purchase Price | −£205,000 |
| Less: Buying Costs (SDLT + legal) | −£14,450 |
| Less: Selling Costs (est. 2.5%) | −£5,941 |
| = CGT Net Gain (5yr) | £12,260 |
| CGT at 24% | £2,222 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 4.9% | 3.0% | £-322 | -12.8% |
| Conservative | £923 | 5.4% | 3.6% | £-96 | -1.5% |
| Base | £992 | 5.8% | 4.0% | £37 | 3.3% |
| Optimistic | £1,071 | 6.3% | 4.4% | £179 | 8.7% |
| Bull | £1,171 | 6.9% | 5.0% | £340 | 15.6% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →