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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 18% above the area median. Offers anchored to area median of £236,000. 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
- £280,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 | £15,568 | £288,400 | £10,764 | £264 | £8,664 | 9.4% |
| Yr 3 | £16,356 | £305,964 | £11,331 | £1,640 | £27,603 | 30.0% |
| Yr 5 | £17,184 | £324,597 | £11,928 | £4,193 | £48,790 | 53.0% |
| Yr 10 | £19,442 | £376,297 | £13,553 | £16,128 | £112,425 | 122.1% |
| Yr 15 | £21,997 | £436,231 | £15,393 | £36,823 | £193,054 | 209.6% |
| Yr 20 | £24,888 | £505,711 | £17,474 | £67,429 | £293,140 | 318.3% |
| Yr 25 | £28,158 | £586,258 | £19,829 | £109,248 | £415,506 | 451.1% |
| Yr 30 | £31,858 | £679,633 | £22,493 | £163,754 | £563,387 | 611.7% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | 4.7% | 2.9% | £-457 | -13.3% |
| Conservative | £1,207 | 5.2% | 3.5% | £-155 | -2.0% |
| Base | £1,298 | 5.6% | 3.8% | £22 | 2.9% |
| Optimistic | £1,402 | 6.0% | 4.3% | £213 | 8.3% |
| Bull | £1,532 | 6.6% | 4.8% | £427 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.56% |
| Net Yield | ●3.85% |
| Net Annual Income | £10,770 |
| Deductions: void 8% (−£1,245) · mgmt 10% (−£1,557) · maint 10% (−£1,557) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £873 |
| Monthly Cashflow (IO) | ●£24 |
| Cash-on-Cash Return | ●0.29% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £18,000 |
| SDLT Effective Rate | 6.43% |
| SDLT (Company) | £18,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,100 |
| SPV Annual Saving | £2,816 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £324,597 |
| Less: Purchase Price | −£280,000 |
| Less: Buying Costs (SDLT + legal) | −£20,600 |
| Less: Selling Costs (est. 2.5%) | −£8,115 |
| = CGT Net Gain (5yr) | £15,882 |
| CGT at 24% | £3,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,103 | 4.7% | 2.9% | £-457 | -13.3% |
| Conservative | £1,207 | 5.2% | 3.5% | £-155 | -2.0% |
| Base | £1,298 | 5.6% | 3.8% | £22 | 2.9% |
| Optimistic | £1,402 | 6.0% | 4.3% | £213 | 8.3% |
| Bull | £1,532 | 6.6% | 4.8% | £427 | 15.2% |
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