🔒 Sign in to view the address — Coventry
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 14% below the area median — some negotiation possible but limited margin. 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 | 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
- £110,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £10,945 | £113,300 | £7,435 | £3,310 | £6,610 | 17.8% |
| Yr 3 | £11,499 | £120,200 | £7,834 | £10,527 | £20,727 | 55.9% |
| Yr 5 | £12,081 | £127,520 | £8,253 | £18,572 | £36,092 | 97.3% |
| Yr 10 | £13,669 | £147,831 | £9,397 | £42,587 | £80,418 | 216.8% |
| Yr 15 | £15,465 | £171,376 | £10,690 | £72,761 | £134,137 | 361.6% |
| Yr 20 | £17,497 | £198,672 | £12,153 | £109,902 | £198,574 | 535.2% |
| Yr 25 | £19,797 | £230,316 | £13,808 | £154,927 | £275,242 | 741.9% |
| Yr 30 | £22,398 | £266,999 | £15,682 | £208,871 | £365,870 | 986.2% |
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: 70 years. Below 85 years — approaching mortgage threshold; consider a lease extension.
| Item | Value |
|---|---|
| Current value (short lease) | £110,000 |
| Est. freehold / extended value | £119,565 |
| Marriage value (50% to freeholder) | £4,782 |
| Est. total extension cost | £5,260 |
| Potential uplift (after extending) | £4,305 |
Estimates based on Savills/RICS relativity tables. Seek a professional lease extension valuation before proceeding.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £775 | 8.5% | 5.1% | £20 | -3.0% |
| Conservative | £848 | 9.3% | 6.1% | £179 | 6.7% |
| Base | £912 | 9.9% | 6.8% | £276 | 10.8% |
| Optimistic | £985 | 10.7% | 7.5% | £382 | 15.6% |
| Bull | £1,076 | 11.7% | 8.5% | £506 | 21.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.95% |
| Net Yield | ●6.76% |
| Net Annual Income | £7,435 |
| Deductions: void 8% (−£876) · mgmt 10% (−£1,094) · maint 10% (−£1,094) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£277 |
| Cash-on-Cash Return | ●8.92% |
| 5-Year IRR | ●10.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,849 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £775 | 8.5% | 5.1% | £20 | -3.0% |
| Conservative | £848 | 9.3% | 6.1% | £179 | 6.7% |
| Base | £912 | 9.9% | 6.8% | £276 | 10.8% |
| Optimistic | £985 | 10.7% | 7.5% | £382 | 15.6% |
| Bull | £1,076 | 11.7% | 8.5% | £506 | 21.8% |
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