🔒 Sign in to view the address — Walsall
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 43% above the area median. Offers anchored to area median of £189,000. 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 | BHULLAR BUILDING CONSTRUCTION | 07588 208828 | — |
| decorator | Painter and Decorator Walsall | Top Quality Painting Contractors ... | 07954 333 229 | — |
| photographer | Dart Photography UK | Newborn Photography | 07305523296 | — |
Property Details
- Asking Price
- £270,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £15,579 | £278,100 | £10,772 | £647 | £8,747 | 9.9% |
| Yr 3 | £16,368 | £295,036 | £11,340 | £2,789 | £27,825 | 31.4% |
| Yr 5 | £17,196 | £313,004 | £11,936 | £6,110 | £49,114 | 55.4% |
| Yr 10 | £19,456 | £362,857 | £13,563 | £19,967 | £112,824 | 127.3% |
| Yr 15 | £22,013 | £420,651 | £15,404 | £42,590 | £193,241 | 218.1% |
| Yr 20 | £24,905 | £487,650 | £17,487 | £75,131 | £292,781 | 330.5% |
| Yr 25 | £28,178 | £565,320 | £19,843 | £118,894 | £414,214 | 467.5% |
| Yr 30 | £31,881 | £655,361 | £22,509 | £175,351 | £560,712 | 632.9% |
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
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● 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 | £1,103 | 4.9% | 3.0% | £-417 | -12.7% |
| Conservative | £1,207 | 5.4% | 3.6% | £-120 | -1.5% |
| Base | £1,298 | 5.8% | 4.0% | £54 | 3.3% |
| Optimistic | £1,402 | 6.2% | 4.4% | £241 | 8.8% |
| Bull | £1,532 | 6.8% | 5.0% | £452 | 15.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.77% |
| Net Yield | ●3.99% |
| Net Annual Income | £10,770 |
| Deductions: void 8% (−£1,246) · mgmt 10% (−£1,558) · maint 10% (−£1,558) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£56 |
| Cash-on-Cash Return | ●0.73% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £2,798 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,103 | 4.9% | 3.0% | £-417 | -12.7% |
| Conservative | £1,207 | 5.4% | 3.6% | £-120 | -1.5% |
| Base | £1,298 | 5.8% | 4.0% | £54 | 3.3% |
| Optimistic | £1,402 | 6.2% | 4.4% | £241 | 8.8% |
| Bull | £1,532 | 6.8% | 5.0% | £452 | 15.6% |
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