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Town House · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 73% above the area median. Offers anchored to area median of £181,000. 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 | £900 |
| Bedroom 2 | £900 |
| Bedroom 3 | £900 |
| Bedroom 4 | £900 |
| 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
- £315,000
- Property Type
- Town House
- Bedrooms
- 4
- 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 | £17,514 | £324,450 | £12,165 | £353 | £9,803 | 9.4% |
| Yr 3 | £18,401 | £344,209 | £12,803 | £2,011 | £31,220 | 29.9% |
| Yr 5 | £19,332 | £365,171 | £13,474 | £4,995 | £55,167 | 52.9% |
| Yr 10 | £21,873 | £423,334 | £15,303 | £18,701 | £127,034 | 121.7% |
| Yr 15 | £24,747 | £490,760 | £17,373 | £42,261 | £218,020 | 208.9% |
| Yr 20 | £27,999 | £568,925 | £19,714 | £76,970 | £330,895 | 317.1% |
| Yr 25 | £31,678 | £659,540 | £22,363 | £124,295 | £468,835 | 449.3% |
| Yr 30 | £35,841 | £764,588 | £25,360 | £185,892 | £635,479 | 609.0% |
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 | £1,240 | 4.7% | 2.9% | £-511 | -13.3% |
| Conservative | £1,357 | 5.2% | 3.5% | £-170 | -2.1% |
| Base | £1,459 | 5.6% | 3.9% | £29 | 2.7% |
| Optimistic | £1,576 | 6.0% | 4.3% | £243 | 8.2% |
| Bull | £1,722 | 6.6% | 4.8% | £484 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.56% |
| Net Yield | ●3.86% |
| Net Annual Income | £12,161 |
| Deductions: void 8% (−£1,401) · mgmt 10% (−£1,751) · maint 10% (−£1,751) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £982 |
| Monthly Cashflow (IO) | ●£31 |
| Cash-on-Cash Return | ●0.33% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,500 |
| SDLT Effective Rate | 6.83% |
| SDLT (Company) | £21,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,363 |
| SPV Annual Saving | £3,153 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £365,171 |
| Less: Purchase Price | −£315,000 |
| Less: Buying Costs (SDLT + legal) | −£24,100 |
| Less: Selling Costs (est. 2.5%) | −£9,129 |
| = CGT Net Gain (5yr) | £16,942 |
| CGT at 24% | £3,346 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,240 | 4.7% | 2.9% | £-511 | -13.3% |
| Conservative | £1,357 | 5.2% | 3.5% | £-170 | -2.1% |
| Base | £1,459 | 5.6% | 3.9% | £29 | 2.7% |
| Optimistic | £1,576 | 6.0% | 4.3% | £243 | 8.2% |
| Bull | £1,722 | 6.6% | 4.8% | £484 | 15.0% |
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