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Terraced · 2 bed
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Suggested Offer Range
Already 33% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. 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
- £180,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 2 | — | — | — | — |
| Sector sale 2 | Terraced | 2 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 3 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
Motivated Seller Analysis
Watch — 4/10Behavioural signals: Below market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £561 |
| ICR (actual) | 1.49x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 106% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £180,000 |
| Deposit (25% — 75% LTV) | £45,000 |
| SDLT (additional property, 5% surcharge) | £10,100 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £58,099 |
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 | £180,000 | Loan (75% LTV) | £135,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £619 |
| Rent needed (1.5×) | £928/mo | Estimated rent | £836/mo |
| Stress ratio | 1.35× (need ≥ 1.5×) £92 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) | £250,000 |
| 75% remortgage | £187,500 |
| Cash left in deal | £3,900 (93% recycled) |
| Est. BTL cashflow | £-238/mo |
| Gross margin | +£70,000 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£17,450 |
| Net profit | +£41,150 (73.0% ROI) |
| SA gross/mo | £1,076 |
| SA net/mo | £797 |
| BTL est./mo | £836 |
| SA vs BTL uplift | +£240/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £193,840 | +£13,840 | £51,831 | +£6,831 (3.8%) |
| 5 years | £203,653 | +£23,653 | £59,142 | +£14,142 (7.9%) |
| 7 years | £213,963 | +£33,963 | £66,823 | +£21,823 (12.1%) |
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 | £10,026 | £185,400 | £6,774 | £24 | £5,424 | 9.2% |
| Yr 3 | £10,534 | £196,691 | £7,139 | £617 | £17,308 | 29.2% |
| Yr 5 | £11,067 | £208,669 | £7,523 | £1,969 | £30,638 | 51.8% |
| Yr 10 | £12,521 | £241,905 | £8,570 | £8,924 | £70,829 | 119.6% |
| Yr 15 | £14,166 | £280,434 | £9,755 | £21,521 | £121,955 | 206.0% |
| Yr 20 | £16,028 | £325,100 | £11,095 | £40,500 | £185,600 | 313.5% |
| Yr 25 | £18,134 | £376,880 | £12,612 | £66,700 | £263,580 | 445.2% |
| Yr 30 | £20,517 | £436,907 | £14,327 | £101,071 | £357,979 | 604.7% |
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 | £711 | 4.7% | 2.8% | £-306 | -13.6% |
| Conservative | £777 | 5.2% | 3.4% | £-112 | -2.1% |
| Base | £836 | 5.6% | 3.8% | £2 | 2.7% |
| Optimistic | £903 | 6.0% | 4.2% | £125 | 8.2% |
| Bull | £986 | 6.6% | 4.8% | £263 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.57% |
| Net Yield | ●3.77% |
| Net Annual Income | £6,778 |
| Deductions: void 8% (−£802) · mgmt 10% (−£1,003) · maint 10% (−£1,003) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£4 |
| Cash-on-Cash Return | ●0.05% |
| 5-Year IRR | ●2.7% |
● 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 | £1,853 |
| 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 | £711 | 4.7% | 2.8% | £-306 | -13.6% |
| Conservative | £777 | 5.2% | 3.4% | £-112 | -2.1% |
| Base | £836 | 5.6% | 3.8% | £2 | 2.7% |
| Optimistic | £903 | 6.0% | 4.2% | £125 | 8.2% |
| Bull | £986 | 6.6% | 4.8% | £263 | 15.0% |