🔒 Sign in to view the address — Birmingham
Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 19% 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
- £390,000
- 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 | £22,191 | £401,700 | £15,533 | £908 | £12,608 | 9.7% |
| Yr 3 | £23,314 | £426,164 | £16,341 | £3,931 | £40,094 | 30.7% |
| Yr 5 | £24,495 | £452,117 | £17,191 | £8,633 | £70,750 | 54.2% |
| Yr 10 | £27,714 | £524,127 | £19,509 | £28,302 | £162,430 | 124.4% |
| Yr 15 | £31,355 | £607,607 | £22,131 | £60,458 | £278,065 | 212.9% |
| Yr 20 | £35,476 | £704,383 | £25,097 | £106,740 | £421,124 | 322.5% |
| Yr 25 | £40,137 | £816,573 | £28,454 | £169,006 | £595,580 | 456.0% |
| Yr 30 | £45,412 | £946,632 | £32,252 | £249,356 | £805,989 | 617.1% |
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 | £1,572 | 4.8% | 3.0% | £-600 | -13.0% |
| Conservative | £1,720 | 5.3% | 3.6% | £-174 | -1.9% |
| Base | £1,849 | 5.7% | 4.0% | £75 | 2.8% |
| Optimistic | £1,997 | 6.1% | 4.4% | £344 | 8.2% |
| Bull | £2,182 | 6.7% | 5.0% | £646 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.69% |
| Net Yield | ●3.98% |
| Net Annual Income | £15,530 |
| Deductions: void 8% (−£1,775) · mgmt 10% (−£2,219) · maint 10% (−£2,219) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,216 |
| Monthly Cashflow (IO) | ●£78 |
| Cash-on-Cash Return | ●0.69% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £29,000 |
| SDLT Effective Rate | 7.44% |
| SDLT (Company) | £29,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,925 |
| SPV Annual Saving | £3,949 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £452,117 |
| Less: Purchase Price | −£390,000 |
| Less: Buying Costs (SDLT + legal) | −£31,600 |
| Less: Selling Costs (est. 2.5%) | −£11,303 |
| = CGT Net Gain (5yr) | £19,214 |
| CGT at 24% | £3,891 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,572 | 4.8% | 3.0% | £-600 | -13.0% |
| Conservative | £1,720 | 5.3% | 3.6% | £-174 | -1.9% |
| Base | £1,849 | 5.7% | 4.0% | £75 | 2.8% |
| Optimistic | £1,997 | 6.1% | 4.4% | £344 | 8.2% |
| Bull | £2,182 | 6.7% | 5.0% | £646 | 15.0% |
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