🔒 Sign in to view the address — Dudley
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 36% above the area median. Offers anchored to area median of £198,000. 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 | Builders Dudley | 07969388120 | — |
| decorator | Interior Decorating Tipton | D. Barrett | 07891 964989 | — |
| photographer | Nick Graham - Dudley Photographer | 07715979834 | — |
Property Details
- Asking Price
- £270,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £14,850 | £278,100 | £10,247 | £122 | £8,222 | 9.3% |
| Yr 3 | £15,602 | £295,036 | £10,788 | £1,175 | £26,211 | 29.6% |
| Yr 5 | £16,392 | £313,004 | £11,357 | £3,351 | £46,355 | 52.3% |
| Yr 10 | £18,546 | £362,857 | £12,908 | £14,087 | £106,944 | 120.7% |
| Yr 15 | £20,983 | £420,651 | £14,663 | £33,178 | £183,829 | 207.5% |
| Yr 20 | £23,740 | £487,650 | £16,648 | £61,723 | £279,374 | 315.3% |
| Yr 25 | £26,860 | £565,320 | £18,894 | £100,965 | £396,285 | 447.3% |
| Yr 30 | £30,389 | £655,361 | £21,435 | £152,308 | £537,669 | 606.8% |
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 | £1,052 | 4.7% | 2.9% | £-450 | -13.4% |
| Conservative | £1,151 | 5.1% | 3.4% | £-159 | -2.1% |
| Base | £1,238 | 5.5% | 3.8% | £11 | 2.8% |
| Optimistic | £1,337 | 5.9% | 4.2% | £193 | 8.2% |
| Bull | £1,461 | 6.5% | 4.8% | £398 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.5% |
| Net Yield | ●3.8% |
| Net Annual Income | £10,251 |
| Deductions: void 8% (−£1,188) · mgmt 10% (−£1,485) · maint 10% (−£1,485) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£12 |
| Cash-on-Cash Return | ●0.14% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £2,697 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,052 | 4.7% | 2.9% | £-450 | -13.4% |
| Conservative | £1,151 | 5.1% | 3.4% | £-159 | -2.1% |
| Base | £1,238 | 5.5% | 3.8% | £11 | 2.8% |
| Optimistic | £1,337 | 5.9% | 4.2% | £193 | 8.2% |
| Bull | £1,461 | 6.5% | 4.8% | £398 | 15.1% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →