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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 34% above the area median. Offers anchored to area median of £119,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| Total Estimated Refurb | £4,750 |
⚠ 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 | Keith Pownall & Sons | 07831 888601 | — |
| decorator | Attention2detail - professional painter and decorator Stoke-on-Trent | 07895372789 | — |
| photographer | STUDIO 21 PHOTOGRAPHY STOKE | 07928 426265 | — |
Property Details
- Asking Price
- £160,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 sqft (est.)
- 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 | £12,784 | £164,800 | £8,759 | £2,759 | £7,559 | 14.3% |
| Yr 3 | £13,431 | £174,836 | £9,225 | £8,975 | £23,811 | 45.1% |
| Yr 5 | £14,111 | £185,484 | £9,715 | £16,157 | £41,641 | 78.9% |
| Yr 10 | £15,965 | £215,027 | £11,050 | £38,671 | £93,698 | 177.5% |
| Yr 15 | £18,063 | £249,275 | £12,561 | £68,379 | £157,654 | 298.6% |
| Yr 20 | £20,437 | £288,978 | £14,270 | £106,225 | £235,203 | 445.5% |
| Yr 25 | £23,123 | £335,004 | £16,203 | £153,279 | £328,284 | 621.7% |
| Yr 30 | £26,161 | £388,362 | £18,391 | £210,752 | £439,114 | 831.7% |
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
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● 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 | £905 | 6.8% | 4.1% | £-99 | -7.2% |
| Conservative | £990 | 7.4% | 4.9% | £106 | 3.1% |
| Base | £1,065 | 8.0% | 5.5% | £230 | 7.6% |
| Optimistic | £1,150 | 8.6% | 6.1% | £364 | 12.7% |
| Bull | £1,257 | 9.4% | 6.9% | £518 | 19.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.99% |
| Net Yield | ●5.47% |
| Net Annual Income | £8,757 |
| Deductions: void 8% (−£1,023) · mgmt 10% (−£1,278) · maint 10% (−£1,278) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£231 |
| Cash-on-Cash Return | ●5.22% |
| 5-Year IRR | ●7.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £2,201 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £905 | 6.8% | 4.1% | £-99 | -7.2% |
| Conservative | £990 | 7.4% | 4.9% | £106 | 3.1% |
| Base | £1,065 | 8.0% | 5.5% | £230 | 7.6% |
| Optimistic | £1,150 | 8.6% | 6.1% | £364 | 12.7% |
| Bull | £1,257 | 9.4% | 6.9% | £518 | 19.1% |
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