🔒 Sign in to view the address — Birmingham
End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | £1,200 |
| Bedroom 2 | £1,200 |
| Bedroom 3 | £1,200 |
| 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
- £180,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £13,428 | £185,400 | £9,223 | £2,473 | £7,873 | 13.3% |
| Yr 3 | £14,108 | £196,691 | £9,713 | £8,151 | £24,841 | 42.0% |
| Yr 5 | £14,822 | £208,669 | £10,227 | £14,844 | £43,513 | 73.5% |
| Yr 10 | £16,770 | £241,905 | £11,629 | £36,366 | £98,271 | 166.0% |
| Yr 15 | £18,973 | £280,434 | £13,216 | £65,444 | £165,878 | 280.2% |
| Yr 20 | £21,467 | £325,100 | £15,011 | £103,070 | £248,170 | 419.2% |
| Yr 25 | £24,288 | £376,880 | £17,042 | £150,368 | £347,248 | 586.6% |
| Yr 30 | £27,479 | £436,907 | £19,340 | £208,608 | £465,516 | 786.3% |
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 | £951 | 6.3% | 3.9% | £-150 | -8.5% |
| Conservative | £1,041 | 6.9% | 4.6% | £73 | 2.1% |
| Base | £1,119 | 7.5% | 5.1% | £206 | 6.6% |
| Optimistic | £1,209 | 8.1% | 5.7% | £351 | 11.8% |
| Bull | £1,320 | 8.8% | 6.4% | £516 | 18.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.46% |
| Net Yield | ●5.12% |
| Net Annual Income | £9,223 |
| Deductions: void 8% (−£1,074) · mgmt 10% (−£1,343) · maint 10% (−£1,343) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£208 |
| Cash-on-Cash Return | ●4.18% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,329 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £951 | 6.3% | 3.9% | £-150 | -8.5% |
| Conservative | £1,041 | 6.9% | 4.6% | £73 | 2.1% |
| Base | £1,119 | 7.5% | 5.1% | £206 | 6.6% |
| Optimistic | £1,209 | 8.1% | 5.7% | £351 | 11.8% |
| Bull | £1,320 | 8.8% | 6.4% | £516 | 18.4% |
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