🔒 Sign in to view the address — Stoke-on-Trent
Terraced · 2 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 | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| 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
- £98,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £7,771 | £100,940 | £5,150 | £1,475 | £4,415 | 13.2% |
| Yr 3 | £8,165 | £107,087 | £5,434 | £4,849 | £13,937 | 41.6% |
| Yr 5 | £8,578 | £113,609 | £5,731 | £8,811 | £24,420 | 72.9% |
| Yr 10 | £9,705 | £131,704 | £6,543 | £21,487 | £55,191 | 164.8% |
| Yr 15 | £10,981 | £152,681 | £7,461 | £38,536 | £93,217 | 278.3% |
| Yr 20 | £12,424 | £176,999 | £8,500 | £60,533 | £139,532 | 416.5% |
| Yr 25 | £14,056 | £205,190 | £9,676 | £88,127 | £195,317 | 583.0% |
| Yr 30 | £15,903 | £237,872 | £11,005 | £122,054 | £261,925 | 781.9% |
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 | 6.7% | 3.9% | £-77 | -8.7% |
| Conservative | £603 | 7.4% | 4.7% | £48 | 1.9% |
| Base | £648 | 7.9% | 5.3% | £123 | 6.3% |
| Optimistic | £700 | 8.6% | 5.9% | £205 | 11.4% |
| Bull | £765 | 9.4% | 6.7% | £299 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.93% |
| Net Yield | ●5.26% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£777) · maint 10% (−£777) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £306 |
| Monthly Cashflow (IO) | ●£124 |
| Cash-on-Cash Return | ●4.41% |
| 5-Year IRR | ●6.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,900 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,900 |
| Section 24 Extra Tax/yr (higher rate) | £735 |
| SPV Annual Saving | £1,383 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £113,609 |
| Less: Purchase Price | −£98,000 |
| Less: Buying Costs (SDLT + legal) | −£7,500 |
| Less: Selling Costs (est. 2.5%) | −£2,840 |
| = CGT Net Gain (5yr) | £5,269 |
| CGT at 24% | £545 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 6.7% | 3.9% | £-77 | -8.7% |
| Conservative | £603 | 7.4% | 4.7% | £48 | 1.9% |
| Base | £648 | 7.9% | 5.3% | £123 | 6.3% |
| Optimistic | £700 | 8.6% | 5.9% | £205 | 11.4% |
| Bull | £765 | 9.4% | 6.7% | £299 | 17.8% |
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