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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 10% above the area median. Offers anchored to area median of £235,000. 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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| 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
- £260,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- 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 | £14,820 | £267,800 | £10,225 | £475 | £8,275 | 9.7% |
| Yr 3 | £15,570 | £284,109 | £10,766 | £2,233 | £26,342 | 31.0% |
| Yr 5 | £16,359 | £301,411 | £11,333 | £5,112 | £46,523 | 54.7% |
| Yr 10 | £18,508 | £349,418 | £12,881 | £17,595 | £107,013 | 125.7% |
| Yr 15 | £20,940 | £405,072 | £14,632 | £38,416 | £183,487 | 215.6% |
| Yr 20 | £23,692 | £469,589 | £16,613 | £68,672 | £278,261 | 327.0% |
| Yr 25 | £26,805 | £544,382 | £18,855 | £109,602 | £393,984 | 463.0% |
| Yr 30 | £30,328 | £631,088 | £21,391 | £162,609 | £533,698 | 627.1% |
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
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 | £1,051 | 4.8% | 3.0% | £-410 | -12.8% |
| Conservative | £1,149 | 5.3% | 3.5% | £-126 | -1.6% |
| Base | £1,236 | 5.7% | 3.9% | £40 | 3.2% |
| Optimistic | £1,335 | 6.2% | 4.4% | £219 | 8.7% |
| Bull | £1,458 | 6.7% | 4.9% | £421 | 15.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.7% |
| Net Yield | ●3.94% |
| Net Annual Income | £10,234 |
| Deductions: void 8% (−£1,186) · mgmt 10% (−£1,482) · maint 10% (−£1,482) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £811 |
| Monthly Cashflow (IO) | ●£42 |
| Cash-on-Cash Return | ●0.57% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,950 |
| SPV Annual Saving | £2,675 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,051 | 4.8% | 3.0% | £-410 | -12.8% |
| Conservative | £1,149 | 5.3% | 3.5% | £-126 | -1.6% |
| Base | £1,236 | 5.7% | 3.9% | £40 | 3.2% |
| Optimistic | £1,335 | 6.2% | 4.4% | £219 | 8.7% |
| Bull | £1,458 | 6.7% | 4.9% | £421 | 15.5% |
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