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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 61% 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 | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £3,650 |
| Entrance Hall | £350 |
| 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
- £81,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £9,850 | £83,430 | £6,647 | £3,609 | £6,039 | 21.3% |
| Yr 3 | £10,348 | £88,511 | £7,006 | £11,364 | £18,875 | 66.5% |
| Yr 5 | £10,872 | £93,901 | £7,383 | £19,864 | £32,765 | 115.4% |
| Yr 10 | £12,301 | £108,857 | £8,412 | £44,626 | £72,483 | 255.2% |
| Yr 15 | £13,917 | £126,195 | £9,575 | £74,931 | £120,126 | 423.0% |
| Yr 20 | £15,746 | £146,295 | £10,892 | £111,505 | £176,800 | 622.5% |
| Yr 25 | £17,815 | £169,596 | £12,382 | £155,175 | £243,771 | 858.3% |
| Yr 30 | £20,156 | £196,608 | £14,068 | £206,870 | £322,479 | 1135.5% |
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 | £698 | 10.3% | 6.2% | £87 | 1.2% |
| Conservative | £764 | 11.3% | 7.4% | £219 | 10.1% |
| Base | £821 | 12.2% | 8.2% | £301 | 14.0% |
| Optimistic | £887 | 13.1% | 9.2% | £391 | 18.5% |
| Bull | £969 | 14.4% | 10.4% | £497 | 24.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.16% |
| Net Yield | ●8.21% |
| Net Annual Income | £6,648 |
| Deductions: void 8% (−£788) · mgmt 10% (−£985) · maint 10% (−£985) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £253 |
| Monthly Cashflow (IO) | ●£301 |
| Cash-on-Cash Return | ●12.71% |
| 5-Year IRR | ●14.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,050 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,050 |
| Section 24 Extra Tax/yr (higher rate) | £608 |
| SPV Annual Saving | £1,642 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £93,901 |
| Less: Purchase Price | −£81,000 |
| Less: Buying Costs (SDLT + legal) | −£6,650 |
| Less: Selling Costs (est. 2.5%) | −£2,348 |
| = CGT Net Gain (5yr) | £3,903 |
| CGT at 24% | £217 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 10.3% | 6.2% | £87 | 1.2% |
| Conservative | £764 | 11.3% | 7.4% | £219 | 10.1% |
| Base | £821 | 12.2% | 8.2% | £301 | 14.0% |
| Optimistic | £887 | 13.1% | 9.2% | £391 | 18.5% |
| Bull | £969 | 14.4% | 10.4% | £497 | 24.2% |
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