🔒 Sign in to view the address — Birmingham
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 13% above the area median. Offers anchored to area median of £176,000. 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 | 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
- £200,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £15,000 | £206,000 | £10,355 | £2,855 | £8,855 | 13.5% |
| Yr 3 | £15,759 | £218,545 | £10,902 | £9,382 | £27,927 | 42.6% |
| Yr 5 | £16,557 | £231,855 | £11,476 | £17,043 | £48,898 | 74.5% |
| Yr 10 | £18,733 | £268,783 | £13,043 | £41,547 | £110,330 | 168.2% |
| Yr 15 | £21,195 | £311,593 | £14,815 | £74,490 | £186,083 | 283.7% |
| Yr 20 | £23,980 | £361,222 | £16,820 | £116,982 | £278,205 | 424.1% |
| Yr 25 | £27,131 | £418,756 | £19,089 | £170,279 | £389,034 | 593.0% |
| Yr 30 | £30,696 | £485,452 | £21,656 | £235,799 | £521,252 | 794.6% |
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 | £1,062 | 6.4% | 3.9% | £-159 | -8.2% |
| Conservative | £1,162 | 7.0% | 4.7% | £89 | 2.3% |
| Base | £1,250 | 7.5% | 5.2% | £238 | 6.8% |
| Optimistic | £1,350 | 8.1% | 5.8% | £399 | 12.0% |
| Bull | £1,475 | 8.8% | 6.5% | £584 | 18.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.5% |
| Net Yield | ●5.18% |
| Net Annual Income | £10,355 |
| Deductions: void 8% (−£1,200) · mgmt 10% (−£1,500) · maint 10% (−£1,500) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£239 |
| Cash-on-Cash Return | ●4.35% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,586 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,062 | 6.4% | 3.9% | £-159 | -8.2% |
| Conservative | £1,162 | 7.0% | 4.7% | £89 | 2.3% |
| Base | £1,250 | 7.5% | 5.2% | £238 | 6.8% |
| Optimistic | £1,350 | 8.1% | 5.8% | £399 | 12.0% |
| Bull | £1,475 | 8.8% | 6.5% | £584 | 18.5% |
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