🔒 Sign in to view the address — BIRMINGHAM
Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 22% above the area median. Offers anchored to area median of £327,000. 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 | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £900 |
| Bedroom 2 | £900 |
| Bedroom 3 | £900 |
| Bedroom 4 | £900 |
| 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
- £400,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £22,200 | £412,000 | £15,539 | £539 | £12,539 | 9.4% |
| Yr 3 | £23,324 | £437,091 | £16,348 | £2,826 | £39,917 | 29.8% |
| Yr 5 | £24,505 | £463,710 | £17,198 | £6,792 | £70,502 | 52.6% |
| Yr 10 | £27,725 | £537,567 | £19,517 | £24,625 | £162,191 | 120.9% |
| Yr 15 | £31,368 | £623,187 | £22,140 | £54,949 | £278,136 | 207.4% |
| Yr 20 | £35,490 | £722,444 | £25,108 | £99,406 | £421,850 | 314.6% |
| Yr 25 | £40,154 | £837,511 | £28,466 | £159,853 | £597,364 | 445.5% |
| Yr 30 | £45,430 | £970,905 | £32,265 | £238,391 | £809,296 | 603.5% |
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
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● 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 | £1,572 | 4.7% | 3.0% | £-641 | -13.4% |
| Conservative | £1,720 | 5.2% | 3.5% | £-208 | -2.3% |
| Base | £1,849 | 5.5% | 3.9% | £44 | 2.5% |
| Optimistic | £1,997 | 6.0% | 4.3% | £316 | 8.0% |
| Bull | £2,182 | 6.5% | 4.9% | £621 | 14.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.55% |
| Net Yield | ●3.88% |
| Net Annual Income | £15,530 |
| Deductions: void 8% (−£1,776) · mgmt 10% (−£2,220) · maint 10% (−£2,220) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,248 |
| Monthly Cashflow (IO) | ●£46 |
| Cash-on-Cash Return | ●0.4% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £3,968 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,572 | 4.7% | 3.0% | £-641 | -13.4% |
| Conservative | £1,720 | 5.2% | 3.5% | £-208 | -2.3% |
| Base | £1,849 | 5.5% | 3.9% | £44 | 2.5% |
| Optimistic | £1,997 | 6.0% | 4.3% | £316 | 8.0% |
| Bull | £2,182 | 6.5% | 4.9% | £621 | 14.8% |
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