🔒 Sign in to view the address — Birmingham
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 56% 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 | £3,650 |
| Bathroom | £2,700 |
| Living Room | £1,550 |
| Master Bedroom | £3,650 |
| Entrance Hall | £350 |
| 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
- £100,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £9,850 | £103,000 | £6,647 | £2,897 | £5,897 | 17.3% |
| Yr 3 | £10,349 | £109,273 | £7,006 | £9,227 | £18,500 | 54.3% |
| Yr 5 | £10,873 | £115,927 | £7,383 | £16,303 | £32,230 | 94.5% |
| Yr 10 | £12,301 | £134,392 | £8,412 | £37,504 | £71,896 | 210.8% |
| Yr 15 | £13,918 | £155,797 | £9,576 | £64,248 | £120,045 | 352.0% |
| Yr 20 | £15,747 | £180,611 | £10,893 | £97,263 | £177,874 | 521.6% |
| Yr 25 | £17,816 | £209,378 | £12,382 | £137,372 | £246,750 | 723.6% |
| Yr 30 | £20,157 | £242,726 | £14,068 | £185,508 | £328,234 | 962.6% |
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
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 | £698 | 8.4% | 5.0% | £10 | -3.6% |
| Conservative | £764 | 9.2% | 6.0% | £154 | 6.1% |
| Base | £821 | 9.9% | 6.6% | £242 | 10.3% |
| Optimistic | £887 | 10.6% | 7.4% | £338 | 15.1% |
| Bull | £969 | 11.6% | 8.4% | £449 | 21.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.85% |
| Net Yield | ●6.65% |
| Net Annual Income | £6,648 |
| Deductions: void 8% (−£788) · mgmt 10% (−£985) · maint 10% (−£985) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£242 |
| Cash-on-Cash Return | ●8.5% |
| 5-Year IRR | ●10.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,679 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 8.4% | 5.0% | £10 | -3.6% |
| Conservative | £764 | 9.2% | 6.0% | £154 | 6.1% |
| Base | £821 | 9.9% | 6.6% | £242 | 10.3% |
| Optimistic | £887 | 10.6% | 7.4% | £338 | 15.1% |
| Bull | £969 | 11.6% | 8.4% | £449 | 21.2% |
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