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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 21% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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
- £192,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Semi | 5 | — | — | — | — |
| Sector sale 2 | Semi | 5 | — | — | — | — |
| Sector sale 3 | Semi | 5 | — | — | — | — |
| Sector sale 4 | Semi | 4 | — | — | — | — |
| Sector sale 5 | Semi | 5 | — | — | — | — |
| Sector sale 6 | Semi | 4 | — | — | — | — |
| Sector sale 7 | Semi | 4 | — | — | — | — |
| Sector sale 8 | Semi | 5 | — | — | — | — |
| Sector sale 9 | Semi | 5 | — | — | — | — |
| Sector sale 10 | Semi | 5 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 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
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £599 |
| ICR (actual) | 5.57x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £192,000 |
| Deposit (25% — 75% LTV) | £48,000 |
| SDLT (additional property, 5% surcharge) | £10,940 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £61,939 |
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 | £192,000 | Loan (75% LTV) | £144,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £660 |
| Rent needed (1.5×) | £990/mo | Estimated rent | £992/mo |
| Stress ratio | 1.5× (need ≥ 1.5×) +£2 surplus | ||
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) | £245,000 |
| 75% remortgage | £183,750 |
| Cash left in deal | £19,650 (67% recycled) |
| Est. BTL cashflow | +£1,401/mo |
| Gross margin | +£53,000 |
| Reno cost (est.) | –£11,400 |
| Buy + sell costs | –£18,215 |
| Net profit | +£23,385 (39.4% ROI) |
| SA gross/mo | £1,080 |
| SA net/mo | £800 |
| BTL est./mo | £3,333 |
| SA vs BTL uplift | £-2,253/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £206,763 | +£14,763 | £55,338 | +£7,338 (3.8%) |
| 5 years | £217,230 | +£25,230 | £63,137 | +£15,137 (7.9%) |
| 7 years | £228,228 | +£36,228 | £71,330 | +£23,330 (12.2%) |
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 | £39,994 | £197,760 | £28,350 | £21,150 | £26,910 | 42.7% |
| Yr 3 | £42,018 | £209,804 | £29,808 | £65,629 | £83,432 | 132.3% |
| Yr 5 | £44,145 | £222,581 | £31,340 | £113,133 | £143,714 | 228.0% |
| Yr 10 | £49,947 | £258,032 | £35,516 | £246,156 | £312,188 | 495.2% |
| Yr 15 | £56,510 | £299,130 | £40,242 | £401,682 | £508,812 | 807.1% |
| Yr 20 | £63,936 | £346,773 | £45,589 | £582,668 | £737,442 | 1169.8% |
| Yr 25 | £72,337 | £402,005 | £51,638 | £792,461 | £1,002,467 | 1590.2% |
| Yr 30 | £81,843 | £466,034 | £58,482 | £1,034,846 | £1,308,880 | 2076.3% |
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 | £2,833 | 17.7% | 11.3% | £1,024 | 25.4% |
| Conservative | £3,100 | 19.4% | 13.3% | £1,473 | 31.9% |
| Base | £3,333 | 20.8% | 14.8% | £1,763 | 35.0% |
| Optimistic | £3,600 | 22.5% | 16.4% | £2,087 | 38.6% |
| Bull | £3,933 | 24.6% | 18.4% | £2,472 | 43.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●20.83% |
| Net Yield | ●14.77% |
| Net Annual Income | £28,352 |
| Deductions: void 8% (−£3,199) · mgmt 10% (−£3,999) · maint 10% (−£3,999) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £599 |
| Monthly Cashflow (IO) | ●£1,764 |
| Cash-on-Cash Return | ●33.55% |
| 5-Year IRR | ●35.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,940 |
| SDLT Effective Rate | 5.7% |
| SDLT (Company) | £10,940 |
| Section 24 Extra Tax/yr (higher rate) | £1,440 |
| SPV Annual Saving | £6,071 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £222,581 |
| Less: Purchase Price | −£192,000 |
| Less: Buying Costs (SDLT + legal) | −£13,540 |
| Less: Selling Costs (est. 2.5%) | −£5,565 |
| = CGT Net Gain (5yr) | £11,476 |
| CGT at 24% | £2,034 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,833 | 17.7% | 11.3% | £1,024 | 25.4% |
| Conservative | £3,100 | 19.4% | 13.3% | £1,473 | 31.9% |
| Base | £3,333 | 20.8% | 14.8% | £1,763 | 35.0% |
| Optimistic | £3,600 | 22.5% | 16.4% | £2,087 | 38.6% |
| Bull | £3,933 | 24.6% | 18.4% | £2,472 | 43.2% |
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