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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 15% 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 | £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
- £100,000
- 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 | £7,780 | £103,000 | £5,157 | £1,407 | £4,407 | 12.9% |
| Yr 3 | £8,174 | £109,273 | £5,440 | £4,643 | £13,916 | 40.8% |
| Yr 5 | £8,588 | £115,927 | £5,738 | £8,469 | £24,396 | 71.5% |
| Yr 10 | £9,716 | £134,392 | £6,551 | £20,807 | £55,199 | 161.9% |
| Yr 15 | £10,993 | £155,797 | £7,470 | £37,522 | £93,319 | 273.7% |
| Yr 20 | £12,437 | £180,611 | £8,510 | £59,191 | £139,802 | 410.0% |
| Yr 25 | £14,072 | £209,378 | £9,687 | £86,463 | £195,841 | 574.3% |
| Yr 30 | £15,921 | £242,726 | £11,018 | £120,075 | £262,802 | 770.7% |
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
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 | £551 | 6.6% | 3.9% | £-85 | -9.0% |
| Conservative | £603 | 7.2% | 4.6% | £41 | 1.6% |
| Base | £648 | 7.8% | 5.2% | £117 | 6.1% |
| Optimistic | £700 | 8.4% | 5.8% | £200 | 11.1% |
| Bull | £765 | 9.2% | 6.5% | £294 | 17.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.78% |
| Net Yield | ●5.15% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£778) · maint 10% (−£778) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£118 |
| Cash-on-Cash Return | ●4.12% |
| 5-Year IRR | ●6.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,387 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 6.6% | 3.9% | £-85 | -9.0% |
| Conservative | £603 | 7.2% | 4.6% | £41 | 1.6% |
| Base | £648 | 7.8% | 5.2% | £117 | 6.1% |
| Optimistic | £700 | 8.4% | 5.8% | £200 | 11.1% |
| Bull | £765 | 9.2% | 6.5% | £294 | 17.6% |
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