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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the area median — some negotiation possible but limited margin. 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 | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| Bedroom 4 | £700 |
| Bedroom 5 | £700 |
| 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 | Building Contractor in Coventry, Building Contractor in ... | 07718 001059 | — |
| decorator | Coventry Decorators – Call us if If you are looking for painters and ... | 07516 790 046 | — |
| photographer | Kamera Studios | 024 7667 3061 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £12,232 | £226,600 | £8,362 | £112 | £6,712 | 9.3% |
| Yr 3 | £12,851 | £240,400 | £8,808 | £1,002 | £21,402 | 29.7% |
| Yr 5 | £13,502 | £255,040 | £9,276 | £2,818 | £37,858 | 52.6% |
| Yr 10 | £15,276 | £295,662 | £10,554 | £11,719 | £87,380 | 121.4% |
| Yr 15 | £17,283 | £342,753 | £11,999 | £27,502 | £150,255 | 208.7% |
| Yr 20 | £19,555 | £397,344 | £13,634 | £51,073 | £228,417 | 317.2% |
| Yr 25 | £22,124 | £460,631 | £15,485 | £83,454 | £324,085 | 450.1% |
| Yr 30 | £25,032 | £533,998 | £17,578 | £125,803 | £439,801 | 610.8% |
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 | £867 | 4.7% | 2.9% | £-367 | -13.3% |
| Conservative | £949 | 5.2% | 3.4% | £-129 | -2.0% |
| Base | £1,020 | 5.6% | 3.8% | £10 | 2.9% |
| Optimistic | £1,102 | 6.0% | 4.2% | £159 | 8.3% |
| Bull | £1,204 | 6.6% | 4.8% | £328 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.56% |
| Net Yield | ●3.8% |
| Net Annual Income | £8,368 |
| Deductions: void 8% (−£979) · mgmt 10% (−£1,223) · maint 10% (−£1,223) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£11 |
| Cash-on-Cash Return | ●0.16% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,237 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £867 | 4.7% | 2.9% | £-367 | -13.3% |
| Conservative | £949 | 5.2% | 3.4% | £-129 | -2.0% |
| Base | £1,020 | 5.6% | 3.8% | £10 | 2.9% |
| Optimistic | £1,102 | 6.0% | 4.2% | £159 | 8.3% |
| Bull | £1,204 | 6.6% | 4.8% | £328 | 15.2% |
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