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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 22% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £1,800 |
| Bedroom 2 | £1,800 |
| 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 | 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
- £75,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- 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 | £9,322 | £77,250 | £6,267 | £3,455 | £5,705 | 21.4% |
| Yr 3 | £9,794 | £81,955 | £6,607 | £10,872 | £17,826 | 67.0% |
| Yr 5 | £10,290 | £86,946 | £6,964 | £18,994 | £30,940 | 116.3% |
| Yr 10 | £11,643 | £100,794 | £7,938 | £42,624 | £68,418 | 257.2% |
| Yr 15 | £13,172 | £116,848 | £9,039 | £71,500 | £113,348 | 426.1% |
| Yr 20 | £14,903 | £135,458 | £10,285 | £106,311 | £166,769 | 627.0% |
| Yr 25 | £16,862 | £157,033 | £11,696 | £147,836 | £229,870 | 864.2% |
| Yr 30 | £19,078 | £182,045 | £13,291 | £196,959 | £304,003 | 1142.9% |
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
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 | £660 | 10.6% | 6.3% | £88 | 1.4% |
| Conservative | £723 | 11.6% | 7.5% | £211 | 10.3% |
| Base | £777 | 12.4% | 8.4% | £288 | 14.1% |
| Optimistic | £839 | 13.4% | 9.3% | £373 | 18.5% |
| Bull | £917 | 14.7% | 10.6% | £472 | 24.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.43% |
| Net Yield | ●8.36% |
| Net Annual Income | £6,268 |
| Deductions: void 8% (−£746) · mgmt 10% (−£932) · maint 10% (−£932) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £234 |
| Monthly Cashflow (IO) | ●£288 |
| Cash-on-Cash Return | ●12.99% |
| 5-Year IRR | ●14.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,750 |
| Section 24 Extra Tax/yr (higher rate) | £563 |
| SPV Annual Saving | £1,557 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £86,946 |
| Less: Purchase Price | −£75,000 |
| Less: Buying Costs (SDLT + legal) | −£6,350 |
| Less: Selling Costs (est. 2.5%) | −£2,174 |
| = CGT Net Gain (5yr) | £3,422 |
| CGT at 24% | £101 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £660 | 10.6% | 6.3% | £88 | 1.4% |
| Conservative | £723 | 11.6% | 7.5% | £211 | 10.3% |
| Base | £777 | 12.4% | 8.4% | £288 | 14.1% |
| Optimistic | £839 | 13.4% | 9.3% | £373 | 18.5% |
| Bull | £917 | 14.7% | 10.6% | £472 | 24.2% |
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