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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | 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
- £160,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £14,096 | £164,800 | £9,704 | £3,704 | £8,504 | 16.1% |
| Yr 3 | £14,810 | £174,836 | £10,218 | £11,880 | £26,716 | 50.6% |
| Yr 5 | £15,559 | £185,484 | £10,758 | £21,122 | £46,606 | 88.3% |
| Yr 10 | £17,604 | £215,027 | £12,230 | £49,254 | £104,281 | 197.5% |
| Yr 15 | £19,917 | £249,275 | £13,895 | £85,318 | £174,593 | 330.7% |
| Yr 20 | £22,535 | £288,978 | £15,780 | £130,356 | £259,334 | 491.2% |
| Yr 25 | £25,496 | £335,004 | £17,912 | £185,546 | £360,551 | 682.9% |
| Yr 30 | £28,846 | £388,362 | £20,324 | £252,224 | £480,586 | 910.2% |
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 | £999 | 7.5% | 4.6% | £-38 | -5.0% |
| Conservative | £1,093 | 8.2% | 5.5% | £178 | 5.0% |
| Base | £1,175 | 8.8% | 6.1% | £309 | 9.3% |
| Optimistic | £1,269 | 9.5% | 6.8% | £452 | 14.3% |
| Bull | £1,386 | 10.4% | 7.6% | £617 | 20.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.81% |
| Net Yield | ●6.07% |
| Net Annual Income | £9,707 |
| Deductions: void 8% (−£1,128) · mgmt 10% (−£1,410) · maint 10% (−£1,410) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£310 |
| Cash-on-Cash Return | ●7.02% |
| 5-Year IRR | ●9.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £2,385 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £999 | 7.5% | 4.6% | £-38 | -5.0% |
| Conservative | £1,093 | 8.2% | 5.5% | £178 | 5.0% |
| Base | £1,175 | 8.8% | 6.1% | £309 | 9.3% |
| Optimistic | £1,269 | 9.5% | 6.8% | £452 | 14.3% |
| Bull | £1,386 | 10.4% | 7.6% | £617 | 20.6% |
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