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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 | 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
- £49,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 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 | £7,776 | £50,470 | £5,154 | £3,316 | £4,786 | 25.5% |
| Yr 3 | £8,170 | £53,544 | £5,437 | £10,373 | £14,916 | 79.3% |
| Yr 5 | £8,584 | £56,804 | £5,735 | £18,017 | £25,822 | 137.3% |
| Yr 10 | £9,712 | £65,852 | £6,547 | £39,902 | £56,754 | 301.9% |
| Yr 15 | £10,988 | £76,340 | £7,466 | £66,162 | £93,503 | 497.4% |
| Yr 20 | £12,432 | £88,499 | £8,506 | £97,373 | £136,872 | 728.0% |
| Yr 25 | £14,065 | £102,595 | £9,682 | £134,185 | £187,780 | 998.8% |
| Yr 30 | £15,913 | £118,936 | £11,013 | £177,333 | £247,269 | 1315.3% |
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 | £551 | 13.5% | 7.9% | £122 | 6.3% |
| Conservative | £603 | 14.8% | 9.4% | £216 | 14.3% |
| Base | £648 | 15.9% | 10.5% | £276 | 17.7% |
| Optimistic | £700 | 17.1% | 11.8% | £343 | 21.7% |
| Bull | £765 | 18.7% | 13.3% | £422 | 26.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.87% |
| Net Yield | ●10.52% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£778) · maint 10% (−£778) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £153 |
| Monthly Cashflow (IO) | ●£276 |
| Cash-on-Cash Return | ●17.64% |
| 5-Year IRR | ●17.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,450 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,450 |
| Section 24 Extra Tax/yr (higher rate) | £368 |
| SPV Annual Saving | £1,292 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £56,804 |
| Less: Purchase Price | −£49,000 |
| Less: Buying Costs (SDLT + legal) | −£5,050 |
| Less: Selling Costs (est. 2.5%) | −£1,420 |
| = CGT Net Gain (5yr) | £1,334 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 13.5% | 7.9% | £122 | 6.3% |
| Conservative | £603 | 14.8% | 9.4% | £216 | 14.3% |
| Base | £648 | 15.9% | 10.5% | £276 | 17.7% |
| Optimistic | £700 | 17.1% | 11.8% | £343 | 21.7% |
| Bull | £765 | 18.7% | 13.3% | £422 | 26.9% |
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