🔒 Sign in to view the address — Birmingham
Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 43% 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
AI condition score: 8/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £750 |
| Bathroom | £550 |
| Living Room | £300 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,900 |
⚠ 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
- £95,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £14,098 | £97,850 | £9,706 | £6,143 | £8,993 | 27.6% |
| Yr 3 | £14,812 | £103,809 | £10,219 | £19,197 | £28,006 | 85.9% |
| Yr 5 | £15,562 | £110,131 | £10,759 | £33,317 | £48,448 | 148.6% |
| Yr 10 | £17,606 | £127,672 | £12,232 | £73,646 | £106,318 | 326.1% |
| Yr 15 | £19,920 | £148,007 | £13,897 | £121,907 | £174,914 | 536.5% |
| Yr 20 | £22,538 | £171,581 | £15,782 | £179,143 | £255,723 | 784.4% |
| Yr 25 | £25,499 | £198,909 | £17,915 | £246,533 | £350,442 | 1075.0% |
| Yr 30 | £28,850 | £230,590 | £20,327 | £325,412 | £461,002 | 1414.1% |
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?
📄 Lease Information
Estimated remaining lease: 80 years. Below 85 years — approaching mortgage threshold; consider a lease extension.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £999 | 12.6% | 7.7% | £226 | 8.6% |
| Conservative | £1,093 | 13.8% | 9.2% | £401 | 16.6% |
| Base | £1,175 | 14.8% | 10.2% | £512 | 20.2% |
| Optimistic | £1,269 | 16.0% | 11.4% | £635 | 24.4% |
| Bull | £1,386 | 17.5% | 12.8% | £779 | 29.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●14.84% |
| Net Yield | ●10.22% |
| Net Annual Income | £9,707 |
| Deductions: void 8% (−£1,128) · mgmt 10% (−£1,410) · maint 10% (−£1,410) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£513 |
| Cash-on-Cash Return | ●18.85% |
| 5-Year IRR | ●20.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,750 |
| Section 24 Extra Tax/yr (higher rate) | £712 |
| SPV Annual Saving | £2,264 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,131 |
| Less: Purchase Price | −£95,000 |
| Less: Buying Costs (SDLT + legal) | −£7,350 |
| Less: Selling Costs (est. 2.5%) | −£2,753 |
| = CGT Net Gain (5yr) | £5,028 |
| CGT at 24% | £487 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £999 | 12.6% | 7.7% | £226 | 8.6% |
| Conservative | £1,093 | 13.8% | 9.2% | £401 | 16.6% |
| Base | £1,175 | 14.8% | 10.2% | £512 | 20.2% |
| Optimistic | £1,269 | 16.0% | 11.4% | £635 | 24.4% |
| Bull | £1,386 | 17.5% | 12.8% | £779 | 29.8% |
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