🔒 Sign in to view the address — Wolverhampton
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £124,000. 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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| 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 | Builders & Grounds Maintenance Wolverhampton | Extensions ... | 07510783234 | — |
| decorator | Wombourne Decorating Services Ltd: Home - Painting contractors | 07753 172 707 | — |
| photographer | Ray Ashmore Photography - Wolverhampton Wedding ... | +447875636190 | — |
Property Details
- Asking Price
- £135,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 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 | £11,853 | £139,050 | £8,089 | £3,027 | £7,077 | 15.8% |
| Yr 3 | £12,453 | £147,518 | £8,521 | £9,725 | £22,244 | 49.7% |
| Yr 5 | £13,083 | £156,502 | £8,975 | £17,321 | £38,823 | 86.7% |
| Yr 10 | £14,803 | £181,429 | £10,213 | £40,536 | £86,965 | 194.1% |
| Yr 15 | £16,748 | £210,326 | £11,614 | £70,421 | £145,747 | 325.3% |
| Yr 20 | £18,949 | £243,825 | £13,198 | £107,852 | £216,677 | 483.7% |
| Yr 25 | £21,439 | £282,660 | £14,991 | £153,820 | £301,480 | 672.9% |
| Yr 30 | £24,256 | £327,680 | £17,019 | £209,448 | £402,128 | 897.6% |
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 | £840 | 7.5% | 4.5% | £-40 | -5.4% |
| Conservative | £919 | 8.2% | 5.4% | £142 | 4.7% |
| Base | £988 | 8.8% | 6.0% | £252 | 9.0% |
| Optimistic | £1,067 | 9.5% | 6.7% | £373 | 14.0% |
| Bull | £1,166 | 10.4% | 7.5% | £511 | 20.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.78% |
| Net Yield | ●5.99% |
| Net Annual Income | £8,091 |
| Deductions: void 8% (−£948) · mgmt 10% (−£1,185) · maint 10% (−£1,185) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £421 |
| Monthly Cashflow (IO) | ●£253 |
| Cash-on-Cash Return | ●6.76% |
| 5-Year IRR | ●9.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,950 |
| SDLT Effective Rate | 5.15% |
| SDLT (Company) | £6,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,013 |
| SPV Annual Saving | £2,024 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £156,502 |
| Less: Purchase Price | −£135,000 |
| Less: Buying Costs (SDLT + legal) | −£9,550 |
| Less: Selling Costs (est. 2.5%) | −£3,913 |
| = CGT Net Gain (5yr) | £8,039 |
| CGT at 24% | £1,209 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £840 | 7.5% | 4.5% | £-40 | -5.4% |
| Conservative | £919 | 8.2% | 5.4% | £142 | 4.7% |
| Base | £988 | 8.8% | 6.0% | £252 | 9.0% |
| Optimistic | £1,067 | 9.5% | 6.7% | £373 | 14.0% |
| Bull | £1,166 | 10.4% | 7.5% | £511 | 20.3% |
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