🔒 Sign in to view the address — Birmingham
Flat · 1 bed
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Suggested Offer Range
Already 64% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £65,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 2 | — | — | — | — |
| Sector sale 2 | Flat | 2 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 1 | — | — | — | — |
| Sector sale 5 | Flat | 2 | — | — | — | — |
| Sector sale 6 | Flat | 2 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
| Sector sale 8 | Flat | 1 | — | — | — | — |
| Sector sale 9 | Flat | 1 | — | — | — | — |
| Sector sale 10 | Flat | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £203 |
| ICR (actual) | 4.05x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £65,000 |
| Deposit (25% — 75% LTV) | £16,250 |
| SDLT (additional property, 5% surcharge) | £3,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £22,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £65,000 | Loan (75% LTV) | £48,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £223 |
| Rent needed (1.5×) | £335/mo | Estimated rent | £821/mo |
| Stress ratio | 3.67× (need ≥ 1.5×) +£486 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £1,018 |
| SA net/mo | £734 |
| BTL est./mo | £821 |
| SA vs BTL uplift | +£197/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £69,998 | +£4,998 | £18,218 | +£1,968 (3.0%) |
| 5 years | £73,542 | +£8,542 | £20,858 | +£4,608 (7.1%) |
| 7 years | £77,265 | +£12,265 | £23,632 | +£7,382 (11.4%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
Finance This Investment
Bridging Finance
Auction purchase, chain break, or refurbishment finance — one enquiry, whole-of-market search.
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📈 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 | £9,854 | £66,950 | £6,500 | £4,062 | £6,012 | 25.5% |
| Yr 3 | £10,353 | £71,027 | £6,859 | £12,724 | £18,751 | 79.5% |
| Yr 5 | £10,877 | £75,353 | £7,236 | £22,131 | £32,483 | 137.6% |
| Yr 10 | £12,306 | £87,355 | £8,266 | £49,162 | £71,516 | 303.0% |
| Yr 15 | £13,923 | £101,268 | £9,430 | £81,737 | £118,005 | 500.0% |
| Yr 20 | £15,753 | £117,397 | £10,747 | £120,586 | £172,984 | 733.0% |
| Yr 25 | £17,823 | £136,096 | £12,238 | £166,533 | £237,628 | 1006.9% |
| Yr 30 | £20,165 | £157,772 | £13,924 | £220,509 | £313,281 | 1327.5% |
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?
📄 Lease Information
Estimated remaining lease: 85 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 12.9% | 7.5% | £140 | 7.0% |
| Conservative | £764 | 14.1% | 9.0% | £261 | 15.0% |
| Base | £821 | 15.2% | 10.0% | £338 | 18.6% |
| Optimistic | £887 | 16.4% | 11.2% | £424 | 22.7% |
| Bull | £969 | 17.9% | 12.7% | £524 | 28.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.16% |
| Net Yield | ●10.0% |
| Net Annual Income | £6,498 |
| Deductions: void 8% (−£788) · mgmt 10% (−£985) · maint 10% (−£985) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £203 |
| Monthly Cashflow (IO) | ●£338 |
| Cash-on-Cash Return | ●17.84% |
| 5-Year IRR | ●18.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,250 |
| Section 24 Extra Tax/yr (higher rate) | £488 |
| SPV Annual Saving | £1,650 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £75,353 |
| Less: Purchase Price | −£65,000 |
| Less: Buying Costs (SDLT + legal) | −£5,850 |
| Less: Selling Costs (est. 2.5%) | −£1,884 |
| = CGT Net Gain (5yr) | £2,619 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £698 | 12.9% | 7.5% | £140 | 7.0% |
| Conservative | £764 | 14.1% | 9.0% | £261 | 15.0% |
| Base | £821 | 15.2% | 10.0% | £338 | 18.6% |
| Optimistic | £887 | 16.4% | 11.2% | £424 | 22.7% |
| Bull | £969 | 17.9% | 12.7% | £524 | 28.0% |
Run the numbers on this deal
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