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End of Terrace · 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 | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| Entrance Hall | £350 |
| 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
- £170,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £13,430 | £175,100 | £9,225 | £2,850 | £7,950 | 14.2% |
| Yr 3 | £14,110 | £185,764 | £9,714 | £9,280 | £25,044 | 44.7% |
| Yr 5 | £14,824 | £197,077 | £10,228 | £16,727 | £43,803 | 78.2% |
| Yr 10 | £16,772 | £228,466 | £11,631 | £40,132 | £98,598 | 176.1% |
| Yr 15 | £18,976 | £264,854 | £13,218 | £71,095 | £165,949 | 296.3% |
| Yr 20 | £21,470 | £307,039 | £15,013 | £110,607 | £247,646 | 442.2% |
| Yr 25 | £24,291 | £355,942 | £17,045 | £159,792 | £345,734 | 617.4% |
| Yr 30 | £27,483 | £412,635 | £19,343 | £219,922 | £462,556 | 826.0% |
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 | 6.7% | 4.1% | £-109 | -7.4% |
| Conservative | £1,041 | 7.3% | 4.9% | £107 | 3.0% |
| Base | £1,119 | 7.9% | 5.4% | £237 | 7.5% |
| Optimistic | £1,209 | 8.5% | 6.1% | £379 | 12.6% |
| Bull | £1,320 | 9.3% | 6.8% | £541 | 19.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.9% |
| Net Yield | ●5.43% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,074) · mgmt 10% (−£1,343) · maint 10% (−£1,343) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£239 |
| Cash-on-Cash Return | ●5.09% |
| 5-Year IRR | ●7.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £2,310 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 6.7% | 4.1% | £-109 | -7.4% |
| Conservative | £1,041 | 7.3% | 4.9% | £107 | 3.0% |
| Base | £1,119 | 7.9% | 5.4% | £237 | 7.5% |
| Optimistic | £1,209 | 8.5% | 6.1% | £379 | 12.6% |
| Bull | £1,320 | 9.3% | 6.8% | £541 | 19.1% |
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