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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 20% above the area median. Offers anchored to area median of £83,000. 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 | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £3,650 |
| 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 | Builders & Grounds Maintenance Wolverhampton | Extensions ... | 07510783234 | — |
| decorator | Wombourne Decorating Services Ltd: Home - Painting contractors | 07753 172 707 | — |
| photographer | Ray Ashmore Photography - Wolverhampton Wedding ... | +447875636190 | — |
Property Details
- Asking Price
- £100,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 400–500 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 | £7,920 | £103,000 | £5,257 | £1,507 | £4,507 | 13.2% |
| Yr 3 | £8,321 | £109,273 | £5,546 | £4,953 | £14,226 | 41.7% |
| Yr 5 | £8,742 | £115,927 | £5,849 | £8,999 | £24,926 | 73.1% |
| Yr 10 | £9,891 | £134,392 | £6,677 | £21,936 | £56,328 | 165.2% |
| Yr 15 | £11,191 | £155,797 | £7,612 | £39,330 | £95,127 | 279.0% |
| Yr 20 | £12,661 | £180,611 | £8,671 | £61,766 | £142,377 | 417.5% |
| Yr 25 | £14,325 | £209,378 | £9,869 | £89,906 | £199,284 | 584.4% |
| Yr 30 | £16,208 | £242,726 | £11,224 | £124,501 | £267,227 | 783.7% |
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 | £561 | 6.7% | 3.9% | £-79 | -8.6% |
| Conservative | £614 | 7.4% | 4.7% | £49 | 1.9% |
| Base | £660 | 7.9% | 5.3% | £126 | 6.3% |
| Optimistic | £713 | 8.6% | 5.9% | £209 | 11.4% |
| Bull | £779 | 9.3% | 6.7% | £305 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.92% |
| Net Yield | ●5.26% |
| Net Annual Income | £5,257 |
| Deductions: void 8% (−£634) · mgmt 10% (−£792) · maint 10% (−£792) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£126 |
| Cash-on-Cash Return | ●4.42% |
| 5-Year IRR | ●6.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,407 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £561 | 6.7% | 3.9% | £-79 | -8.6% |
| Conservative | £614 | 7.4% | 4.7% | £49 | 1.9% |
| Base | £660 | 7.9% | 5.3% | £126 | 6.3% |
| Optimistic | £713 | 8.6% | 5.9% | £209 | 11.4% |
| Bull | £779 | 9.3% | 6.7% | £305 | 17.8% |
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