🔒 Sign in to view the address — Dudley
Flat · 2 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 | £1,800 |
| Bedroom 2 | £1,800 |
| 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
- £72,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £9,238 | £74,160 | £6,206 | £3,506 | £5,666 | 22.0% |
| Yr 3 | £9,705 | £78,676 | £6,543 | £11,021 | £17,698 | 68.9% |
| Yr 5 | £10,197 | £83,468 | £6,897 | £19,235 | £30,703 | 119.5% |
| Yr 10 | £11,536 | £96,762 | £7,861 | £43,064 | £67,826 | 263.9% |
| Yr 15 | £13,052 | £112,174 | £8,953 | £72,092 | £112,265 | 436.8% |
| Yr 20 | £14,768 | £130,040 | £10,188 | £106,999 | £165,039 | 642.2% |
| Yr 25 | £16,708 | £150,752 | £11,585 | £148,561 | £227,313 | 884.5% |
| Yr 30 | £18,904 | £174,763 | £13,166 | £197,650 | £300,413 | 1168.9% |
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 | £654 | 10.9% | 6.5% | £96 | 2.1% |
| Conservative | £716 | 11.9% | 7.7% | £217 | 10.9% |
| Base | £770 | 12.8% | 8.6% | £292 | 14.7% |
| Optimistic | £832 | 13.9% | 9.6% | £376 | 19.0% |
| Bull | £909 | 15.1% | 10.9% | £473 | 24.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.83% |
| Net Yield | ●8.62% |
| Net Annual Income | £6,208 |
| Deductions: void 8% (−£739) · mgmt 10% (−£924) · maint 10% (−£924) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £225 |
| Monthly Cashflow (IO) | ●£292 |
| Cash-on-Cash Return | ●13.65% |
| 5-Year IRR | ●14.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,600 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,600 |
| Section 24 Extra Tax/yr (higher rate) | £540 |
| SPV Annual Saving | £1,540 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £83,468 |
| Less: Purchase Price | −£72,000 |
| Less: Buying Costs (SDLT + legal) | −£6,200 |
| Less: Selling Costs (est. 2.5%) | −£2,087 |
| = CGT Net Gain (5yr) | £3,181 |
| CGT at 24% | £43 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £654 | 10.9% | 6.5% | £96 | 2.1% |
| Conservative | £716 | 11.9% | 7.7% | £217 | 10.9% |
| Base | £770 | 12.8% | 8.6% | £292 | 14.7% |
| Optimistic | £832 | 13.9% | 9.6% | £376 | 19.0% |
| Bull | £909 | 15.1% | 10.9% | £473 | 24.7% |
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