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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 31% above the area median. Offers anchored to area median of £284,000. 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 | 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
- £375,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £22,200 | £386,250 | £15,539 | £1,476 | £12,726 | 10.2% |
| Yr 3 | £23,324 | £409,773 | £16,348 | £5,638 | £40,411 | 32.2% |
| Yr 5 | £24,505 | £434,728 | £17,198 | £11,480 | £71,207 | 56.8% |
| Yr 10 | £27,725 | £503,969 | £19,517 | £34,000 | £162,968 | 130.0% |
| Yr 15 | £31,368 | £584,238 | £22,140 | £69,011 | £278,249 | 222.0% |
| Yr 20 | £35,490 | £677,292 | £25,108 | £118,156 | £420,448 | 335.4% |
| Yr 25 | £40,154 | £785,167 | £28,466 | £183,290 | £593,457 | 473.4% |
| Yr 30 | £45,430 | £910,223 | £32,265 | £266,516 | £801,739 | 639.6% |
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 | £1,572 | 5.0% | 3.2% | £-539 | -12.4% |
| Conservative | £1,720 | 5.5% | 3.7% | £-122 | -1.4% |
| Base | £1,849 | 5.9% | 4.1% | £122 | 3.3% |
| Optimistic | £1,997 | 6.4% | 4.6% | £386 | 8.7% |
| Bull | £2,182 | 7.0% | 5.2% | £684 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.92% |
| Net Yield | ●4.14% |
| Net Annual Income | £15,530 |
| Deductions: void 8% (−£1,776) · mgmt 10% (−£2,220) · maint 10% (−£2,220) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£124 |
| Cash-on-Cash Return | ●1.17% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,812 |
| SPV Annual Saving | £3,921 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,572 | 5.0% | 3.2% | £-539 | -12.4% |
| Conservative | £1,720 | 5.5% | 3.7% | £-122 | -1.4% |
| Base | £1,849 | 5.9% | 4.1% | £122 | 3.3% |
| Optimistic | £1,997 | 6.4% | 4.6% | £386 | 8.7% |
| Bull | £2,182 | 7.0% | 5.2% | £684 | 15.5% |
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