🔒 Sign in to view the address — Coventry
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 22% above the area median. Offers anchored to area median of £262,000. 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 | Building Contractor in Coventry, Building Contractor in ... | 07718 001059 | — |
| decorator | Coventry Decorators – Call us if If you are looking for painters and ... | 07516 790 046 | — |
| photographer | Kamera Studios | 024 7667 3061 | — |
Property Details
- Asking Price
- £320,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £17,504 | £329,600 | £12,158 | £158 | £9,758 | 9.2% |
| Yr 3 | £18,390 | £349,673 | £12,796 | £1,427 | £31,099 | 29.3% |
| Yr 5 | £19,321 | £370,968 | £13,466 | £4,020 | £54,988 | 51.8% |
| Yr 10 | £21,860 | £430,053 | £15,294 | £16,745 | £126,798 | 119.5% |
| Yr 15 | £24,733 | £498,550 | £17,363 | £39,319 | £217,868 | 205.3% |
| Yr 20 | £27,983 | £577,956 | £19,703 | £73,036 | £330,992 | 312.0% |
| Yr 25 | £31,660 | £670,009 | £22,350 | £119,361 | £469,370 | 442.4% |
| Yr 30 | £35,820 | £776,724 | £25,346 | £179,950 | £636,674 | 600.1% |
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 | £1,240 | 4.7% | 2.9% | £-531 | -13.6% |
| Conservative | £1,357 | 5.1% | 3.4% | £-187 | -2.3% |
| Base | £1,459 | 5.5% | 3.8% | £13 | 2.5% |
| Optimistic | £1,576 | 5.9% | 4.2% | £229 | 8.0% |
| Bull | £1,722 | 6.5% | 4.8% | £471 | 14.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.47% |
| Net Yield | ●3.8% |
| Net Annual Income | £12,161 |
| Deductions: void 8% (−£1,400) · mgmt 10% (−£1,750) · maint 10% (−£1,750) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £998 |
| Monthly Cashflow (IO) | ●£15 |
| Cash-on-Cash Return | ●0.15% |
| 5-Year IRR | ●2.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £22,000 |
| SDLT Effective Rate | 6.88% |
| SDLT (Company) | £22,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,400 |
| SPV Annual Saving | £3,163 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £370,968 |
| Less: Purchase Price | −£320,000 |
| Less: Buying Costs (SDLT + legal) | −£24,600 |
| Less: Selling Costs (est. 2.5%) | −£9,274 |
| = CGT Net Gain (5yr) | £17,094 |
| CGT at 24% | £3,382 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,240 | 4.7% | 2.9% | £-531 | -13.6% |
| Conservative | £1,357 | 5.1% | 3.4% | £-187 | -2.3% |
| Base | £1,459 | 5.5% | 3.8% | £13 | 2.5% |
| Optimistic | £1,576 | 5.9% | 4.2% | £229 | 8.0% |
| Bull | £1,722 | 6.5% | 4.8% | £471 | 14.9% |
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