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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 51% 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 | £1,800 |
| Bedroom 2 | £1,800 |
| 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
- £80,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- 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 | £9,240 | £82,400 | £6,208 | £3,208 | £5,608 | 20.0% |
| Yr 3 | £9,708 | £87,418 | £6,545 | £10,127 | £17,545 | 62.4% |
| Yr 5 | £10,199 | £92,742 | £6,898 | £17,744 | £30,486 | 108.5% |
| Yr 10 | £11,539 | £107,513 | £7,863 | £40,084 | £67,597 | 240.6% |
| Yr 15 | £13,056 | £124,637 | £8,955 | £67,623 | £112,260 | 399.5% |
| Yr 20 | £14,772 | £144,489 | £10,190 | £101,043 | £165,532 | 589.1% |
| Yr 25 | £16,713 | £167,502 | £11,588 | £141,120 | £228,622 | 813.6% |
| Yr 30 | £18,909 | £194,181 | £13,169 | £188,726 | £302,907 | 1078.0% |
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 | 9.8% | 5.8% | £63 | -0.4% |
| Conservative | £716 | 10.7% | 7.0% | £189 | 8.7% |
| Base | £770 | 11.6% | 7.8% | £267 | 12.7% |
| Optimistic | £832 | 12.5% | 8.7% | £353 | 17.2% |
| Bull | £909 | 13.6% | 9.8% | £453 | 23.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.55% |
| Net Yield | ●7.76% |
| Net Annual Income | £6,208 |
| Deductions: void 8% (−£739) · mgmt 10% (−£924) · maint 10% (−£924) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £250 |
| Monthly Cashflow (IO) | ●£267 |
| Cash-on-Cash Return | ●11.42% |
| 5-Year IRR | ●12.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,000 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,555 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,742 |
| Less: Purchase Price | −£80,000 |
| Less: Buying Costs (SDLT + legal) | −£6,600 |
| Less: Selling Costs (est. 2.5%) | −£2,319 |
| = CGT Net Gain (5yr) | £3,823 |
| CGT at 24% | £198 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £654 | 9.8% | 5.8% | £63 | -0.4% |
| Conservative | £716 | 10.7% | 7.0% | £189 | 8.7% |
| Base | £770 | 11.6% | 7.8% | £267 | 12.7% |
| Optimistic | £832 | 12.5% | 8.7% | £353 | 17.2% |
| Bull | £909 | 13.6% | 9.8% | £453 | 23.1% |
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