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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £222,000. 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 | Builders Dudley | 07969388120 | — |
| decorator | Interior Decorating Tipton | D. Barrett | 07891 964989 | — |
| photographer | Nick Graham - Dudley Photographer | 07715979834 | — |
Property Details
- Asking Price
- £290,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £16,646 | £298,700 | £11,540 | £665 | £9,365 | 9.8% |
| Yr 3 | £17,489 | £316,891 | £12,147 | £2,902 | £29,793 | 31.2% |
| Yr 5 | £18,374 | £336,189 | £12,784 | £6,398 | £52,587 | 55.0% |
| Yr 10 | £20,789 | £389,736 | £14,523 | £21,074 | £120,810 | 126.4% |
| Yr 15 | £23,520 | £451,811 | £16,490 | £45,116 | £206,927 | 216.5% |
| Yr 20 | £26,611 | £523,772 | £18,715 | £79,756 | £313,528 | 328.0% |
| Yr 25 | £30,108 | £607,196 | £21,233 | £126,385 | £443,580 | 464.0% |
| Yr 30 | £34,064 | £703,906 | £24,081 | £186,579 | £600,485 | 628.1% |
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
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● 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 | £1,178 | 4.9% | 3.0% | £-449 | -12.8% |
| Conservative | £1,289 | 5.3% | 3.6% | £-132 | -1.6% |
| Base | £1,386 | 5.7% | 4.0% | £55 | 3.2% |
| Optimistic | £1,497 | 6.2% | 4.4% | £255 | 8.6% |
| Bull | £1,635 | 6.8% | 5.0% | £481 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.74% |
| Net Yield | ●3.98% |
| Net Annual Income | £11,530 |
| Deductions: void 8% (−£1,332) · mgmt 10% (−£1,665) · maint 10% (−£1,665) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£57 |
| Cash-on-Cash Return | ●0.69% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,000 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £19,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £2,983 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,189 |
| Less: Purchase Price | −£290,000 |
| Less: Buying Costs (SDLT + legal) | −£21,600 |
| Less: Selling Costs (est. 2.5%) | −£8,405 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,178 | 4.9% | 3.0% | £-449 | -12.8% |
| Conservative | £1,289 | 5.3% | 3.6% | £-132 | -1.6% |
| Base | £1,386 | 5.7% | 4.0% | £55 | 3.2% |
| Optimistic | £1,497 | 6.2% | 4.4% | £255 | 8.6% |
| Bull | £1,635 | 6.8% | 5.0% | £481 | 15.4% |
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