🔒 Sign in to view the address — Walsall
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £114,000. 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 | £3,650 |
| 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 | BHULLAR BUILDING CONSTRUCTION | 07588 208828 | — |
| decorator | Painter and Decorator Walsall | Top Quality Painting Contractors ... | 07954 333 229 | — |
| photographer | Dart Photography UK | Newborn Photography | 07305523296 | — |
Property Details
- Asking Price
- £125,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £9,325 | £128,750 | £6,269 | £1,582 | £5,332 | 12.8% |
| Yr 3 | £9,797 | £136,591 | £6,609 | £5,252 | £16,843 | 40.5% |
| Yr 5 | £10,293 | £144,909 | £6,966 | £9,628 | £29,538 | 71.0% |
| Yr 10 | £11,646 | £167,990 | £7,940 | £23,895 | £66,884 | 160.8% |
| Yr 15 | £13,176 | £194,746 | £9,042 | £43,407 | £113,153 | 272.0% |
| Yr 20 | £14,907 | £225,764 | £10,288 | £68,857 | £169,621 | 407.7% |
| Yr 25 | £16,866 | £261,722 | £11,699 | £101,023 | £237,745 | 571.5% |
| Yr 30 | £19,083 | £303,408 | £13,295 | £140,788 | £319,196 | 767.3% |
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?
📄 Lease Information
Estimated remaining lease: 954 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £660 | 6.3% | 3.8% | £-116 | -9.1% |
| Conservative | £723 | 6.9% | 4.5% | £39 | 1.6% |
| Base | £777 | 7.5% | 5.0% | £132 | 6.1% |
| Optimistic | £839 | 8.1% | 5.6% | £232 | 11.3% |
| Bull | £917 | 8.8% | 6.3% | £347 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.46% |
| Net Yield | ●5.01% |
| Net Annual Income | £6,268 |
| Deductions: void 8% (−£746) · mgmt 10% (−£932) · maint 10% (−£932) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£132 |
| Cash-on-Cash Return | ●3.8% |
| 5-Year IRR | ●6.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £1,651 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £660 | 6.3% | 3.8% | £-116 | -9.1% |
| Conservative | £723 | 6.9% | 4.5% | £39 | 1.6% |
| Base | £777 | 7.5% | 5.0% | £132 | 6.1% |
| Optimistic | £839 | 8.1% | 5.6% | £232 | 11.3% |
| Bull | £917 | 8.8% | 6.3% | £347 | 17.8% |
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