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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 33% 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
- £160,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- 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 | £9,248 | £164,800 | £6,214 | £214 | £5,014 | 9.5% |
| Yr 3 | £9,716 | £174,836 | £6,551 | £1,144 | £15,981 | 30.3% |
| Yr 5 | £10,208 | £185,484 | £6,905 | £2,775 | £28,258 | 53.5% |
| Yr 10 | £11,549 | £215,027 | £7,871 | £10,148 | £65,175 | 123.4% |
| Yr 15 | £13,067 | £249,275 | £8,963 | £22,726 | £112,001 | 212.1% |
| Yr 20 | £14,784 | £288,978 | £10,200 | £41,191 | £170,168 | 322.3% |
| Yr 25 | £16,727 | £335,004 | £11,599 | £66,317 | £241,321 | 457.0% |
| Yr 30 | £18,925 | £388,362 | £13,181 | £98,979 | £327,341 | 620.0% |
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 | £654 | 4.9% | 2.9% | £-262 | -13.2% |
| Conservative | £716 | 5.4% | 3.5% | £-86 | -1.8% |
| Base | £770 | 5.8% | 3.9% | £17 | 3.0% |
| Optimistic | £832 | 6.2% | 4.3% | £128 | 8.4% |
| Bull | £909 | 6.8% | 4.9% | £253 | 15.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.78% |
| Net Yield | ●3.88% |
| Net Annual Income | £6,208 |
| Deductions: void 8% (−£740) · mgmt 10% (−£925) · maint 10% (−£925) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£18 |
| Cash-on-Cash Return | ●0.39% |
| 5-Year IRR | ●3.0% |
● 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 | £1,705 |
| 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 | £654 | 4.9% | 2.9% | £-262 | -13.2% |
| Conservative | £716 | 5.4% | 3.5% | £-86 | -1.8% |
| Base | £770 | 5.8% | 3.9% | £17 | 3.0% |
| Optimistic | £832 | 6.2% | 4.3% | £128 | 8.4% |
| Bull | £909 | 6.8% | 4.9% | £253 | 15.2% |
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