🔒 Sign in to view the address — Birmingham
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 17% 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 | £1,200 |
| 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 | 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
- £150,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 700–800 sqft (est.)
- 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 | £13,425 | £154,500 | £9,221 | £3,596 | £8,096 | 16.3% |
| Yr 3 | £14,105 | £163,909 | £9,710 | £11,519 | £25,428 | 51.3% |
| Yr 5 | £14,819 | £173,891 | £10,224 | £20,458 | £44,349 | 89.4% |
| Yr 10 | £16,766 | £201,587 | £11,627 | £47,592 | £99,179 | 200.0% |
| Yr 15 | £18,969 | £233,695 | £13,213 | £82,280 | £165,975 | 334.6% |
| Yr 20 | £21,462 | £270,917 | £15,008 | £125,515 | £246,431 | 496.8% |
| Yr 25 | £24,282 | £314,067 | £17,038 | £178,419 | £342,486 | 690.5% |
| Yr 30 | £27,473 | £364,089 | £19,336 | £242,264 | £456,353 | 920.1% |
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 | £951 | 7.6% | 4.6% | £-28 | -4.8% |
| Conservative | £1,041 | 8.3% | 5.5% | £176 | 5.2% |
| Base | £1,119 | 9.0% | 6.1% | £300 | 9.5% |
| Optimistic | £1,209 | 9.7% | 6.9% | £435 | 14.5% |
| Bull | £1,320 | 10.6% | 7.7% | £591 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.95% |
| Net Yield | ●6.15% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,074) · mgmt 10% (−£1,342) · maint 10% (−£1,342) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£301 |
| Cash-on-Cash Return | ●7.25% |
| 5-Year IRR | ●9.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,272 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 7.6% | 4.6% | £-28 | -4.8% |
| Conservative | £1,041 | 8.3% | 5.5% | £176 | 5.2% |
| Base | £1,119 | 9.0% | 6.1% | £300 | 9.5% |
| Optimistic | £1,209 | 9.7% | 6.9% | £435 | 14.5% |
| Bull | £1,320 | 10.6% | 7.7% | £591 | 20.8% |
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