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Bungalow · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 19% 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: 6/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,250 |
| Living Room | £700 |
| Hallway / Stairs | £300 |
| Master Bedroom | £600 |
| Bedroom 2 | £600 |
| Bedroom 3 | £600 |
| 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
- £165,000
- Property Type
- Bungalow
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £9,356 | £169,950 | £6,291 | £103 | £5,053 | 9.3% |
| Yr 3 | £9,829 | £180,300 | £6,632 | £820 | £16,120 | 29.6% |
| Yr 5 | £10,327 | £191,280 | £6,990 | £2,244 | £28,524 | 52.4% |
| Yr 10 | £11,684 | £221,746 | £7,967 | £9,141 | £65,887 | 121.1% |
| Yr 15 | £13,219 | £257,065 | £9,073 | £21,301 | £113,366 | 208.4% |
| Yr 20 | £14,956 | £298,008 | £10,323 | £39,418 | £172,426 | 317.0% |
| Yr 25 | £16,922 | £345,473 | £11,739 | £64,273 | £244,746 | 449.9% |
| Yr 30 | £19,145 | £400,498 | £13,340 | £96,752 | £332,250 | 610.8% |
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 | £663 | 4.8% | 2.9% | £-276 | -13.4% |
| Conservative | £725 | 5.3% | 3.4% | £-96 | -2.0% |
| Base | £780 | 5.7% | 3.8% | £9 | 2.8% |
| Optimistic | £842 | 6.1% | 4.3% | £122 | 8.3% |
| Bull | £920 | 6.7% | 4.8% | £250 | 15.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.67% |
| Net Yield | ●3.81% |
| Net Annual Income | £6,294 |
| Deductions: void 8% (−£748) · mgmt 10% (−£936) · maint 10% (−£936) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £515 |
| Monthly Cashflow (IO) | ●£10 |
| Cash-on-Cash Return | ●0.2% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £1,731 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £663 | 4.8% | 2.9% | £-276 | -13.4% |
| Conservative | £725 | 5.3% | 3.4% | £-96 | -2.0% |
| Base | £780 | 5.7% | 3.8% | £9 | 2.8% |
| Optimistic | £842 | 6.1% | 4.3% | £122 | 8.3% |
| Bull | £920 | 6.7% | 4.8% | £250 | 15.1% |
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