🔒 Sign in to view the address — Birmingham
Flat · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 24% 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 | £950 |
| Bedroom 2 | £950 |
| Bedroom 3 | £950 |
| Bedroom 4 | £950 |
| 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
- £165,000
- Property Type
- Flat
- Bedrooms
- 4
- 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 | £18,777 | £169,950 | £13,074 | £6,887 | £11,837 | 21.8% |
| Yr 3 | £19,728 | £180,300 | £13,759 | £21,683 | £36,983 | 68.0% |
| Yr 5 | £20,726 | £191,280 | £14,478 | £37,900 | £64,180 | 118.0% |
| Yr 10 | £23,450 | £221,746 | £16,439 | £85,138 | £141,885 | 260.8% |
| Yr 15 | £26,531 | £257,065 | £18,658 | £142,942 | £235,007 | 432.0% |
| Yr 20 | £30,018 | £298,008 | £21,168 | £212,699 | £345,708 | 635.5% |
| Yr 25 | £33,962 | £345,473 | £24,008 | £295,981 | £476,455 | 875.8% |
| Yr 30 | £38,425 | £400,498 | £27,221 | £394,565 | £630,063 | 1158.2% |
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 | £1,330 | 9.7% | 6.0% | £157 | 1.7% |
| Conservative | £1,455 | 10.6% | 7.1% | £415 | 10.7% |
| Base | £1,565 | 11.4% | 7.9% | £574 | 14.7% |
| Optimistic | £1,690 | 12.3% | 8.8% | £750 | 19.4% |
| Bull | £1,847 | 13.4% | 9.9% | £954 | 25.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.38% |
| Net Yield | ●7.93% |
| Net Annual Income | £13,077 |
| Deductions: void 8% (−£1,502) · mgmt 10% (−£1,878) · maint 10% (−£1,878) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £515 |
| Monthly Cashflow (IO) | ●£575 |
| Cash-on-Cash Return | ●12.66% |
| 5-Year IRR | ●14.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £3,050 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,330 | 9.7% | 6.0% | £157 | 1.7% |
| Conservative | £1,455 | 10.6% | 7.1% | £415 | 10.7% |
| Base | £1,565 | 11.4% | 7.9% | £574 | 14.7% |
| Optimistic | £1,690 | 12.3% | 8.8% | £750 | 19.4% |
| Bull | £1,847 | 13.4% | 9.9% | £954 | 25.3% |
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