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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 24% 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 | £3,550 |
| 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 | Keith Pownall & Sons | 07831 888601 | — |
| decorator | Attention2detail - professional painter and decorator Stoke-on-Trent | 07895372789 | — |
| photographer | STUDIO 21 PHOTOGRAPHY STOKE | 07928 426265 | — |
Property Details
- Asking Price
- £90,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £7,776 | £92,700 | £5,154 | £1,779 | £4,479 | 14.4% |
| Yr 3 | £8,170 | £98,345 | £5,437 | £5,760 | £14,105 | 45.4% |
| Yr 5 | £8,583 | £104,335 | £5,735 | £10,329 | £24,663 | 79.3% |
| Yr 10 | £9,711 | £120,952 | £6,547 | £24,525 | £55,477 | 178.4% |
| Yr 15 | £10,987 | £140,217 | £7,466 | £43,096 | £93,313 | 300.0% |
| Yr 20 | £12,431 | £162,550 | £8,505 | £66,617 | £139,167 | 447.5% |
| Yr 25 | £14,065 | £188,440 | £9,682 | £95,740 | £194,180 | 624.4% |
| Yr 30 | £15,913 | £218,454 | £11,012 | £131,199 | £259,653 | 834.9% |
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 | £551 | 7.3% | 4.3% | £-45 | -7.2% |
| Conservative | £603 | 8.0% | 5.1% | £75 | 3.1% |
| Base | £648 | 8.6% | 5.7% | £148 | 7.4% |
| Optimistic | £700 | 9.3% | 6.4% | £228 | 12.3% |
| Bull | £765 | 10.2% | 7.3% | £319 | 18.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.64% |
| Net Yield | ●5.73% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£778) · maint 10% (−£778) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£148 |
| Cash-on-Cash Return | ●5.72% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,368 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 7.3% | 4.3% | £-45 | -7.2% |
| Conservative | £603 | 8.0% | 5.1% | £75 | 3.1% |
| Base | £648 | 8.6% | 5.7% | £148 | 7.4% |
| Optimistic | £700 | 9.3% | 6.4% | £228 | 12.3% |
| Bull | £765 | 10.2% | 7.3% | £319 | 18.6% |
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