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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £123,000. 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 | £850 |
| Bedroom 2 | £850 |
| 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
- £130,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £7,774 | £133,900 | £5,152 | £277 | £4,177 | 9.7% |
| Yr 3 | £8,168 | £142,055 | £5,436 | £1,255 | £13,310 | 30.8% |
| Yr 5 | £8,581 | £150,706 | £5,733 | £2,821 | £23,527 | 54.5% |
| Yr 10 | £9,709 | £174,709 | £6,545 | £9,508 | £54,218 | 125.5% |
| Yr 15 | £10,984 | £202,536 | £7,464 | £20,570 | £93,106 | 215.5% |
| Yr 20 | £12,428 | £234,794 | £8,503 | £36,581 | £141,375 | 327.3% |
| Yr 25 | £14,061 | £272,191 | £9,679 | £58,191 | £200,382 | 463.8% |
| Yr 30 | £15,909 | £315,544 | £11,009 | £86,136 | £271,680 | 628.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — West Midlands ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 5.1% | 3.0% | £-207 | -13.0% |
| Conservative | £603 | 5.6% | 3.6% | £-62 | -1.6% |
| Base | £648 | 6.0% | 4.0% | £23 | 3.1% |
| Optimistic | £700 | 6.5% | 4.4% | £115 | 8.5% |
| Bull | £765 | 7.1% | 5.0% | £219 | 15.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.98% |
| Net Yield | ●3.96% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£777) · maint 10% (−£777) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£24 |
| Cash-on-Cash Return | ●0.65% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,443 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 5.1% | 3.0% | £-207 | -13.0% |
| Conservative | £603 | 5.6% | 3.6% | £-62 | -1.6% |
| Base | £648 | 6.0% | 4.0% | £23 | 3.1% |
| Optimistic | £700 | 6.5% | 4.4% | £115 | 8.5% |
| Bull | £765 | 7.1% | 5.0% | £219 | 15.3% |
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