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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: 4/10 · West Midlands rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,550 |
| Bathroom | £2,600 |
| Living Room | £1,550 |
| Hallway / Stairs | £600 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| 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 | 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
- £94,950
- 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 | £7,776 | £97,798 | £5,154 | £1,593 | £4,442 | 13.6% |
| Yr 3 | £8,170 | £103,754 | £5,437 | £5,204 | £14,008 | 43.0% |
| Yr 5 | £8,584 | £110,073 | £5,735 | £9,402 | £24,525 | 75.3% |
| Yr 10 | £9,712 | £127,605 | £6,547 | £22,672 | £55,326 | 169.8% |
| Yr 15 | £10,988 | £147,929 | £7,466 | £40,317 | £93,296 | 286.3% |
| Yr 20 | £12,432 | £171,490 | £8,506 | £62,912 | £139,453 | 428.0% |
| Yr 25 | £14,065 | £198,804 | £9,682 | £91,109 | £194,963 | 598.3% |
| Yr 30 | £15,914 | £230,469 | £11,013 | £125,643 | £261,162 | 801.5% |
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 | 7.0% | 4.1% | £-65 | -8.1% |
| Conservative | £603 | 7.6% | 4.9% | £58 | 2.3% |
| Base | £648 | 8.2% | 5.4% | £133 | 6.7% |
| Optimistic | £700 | 8.8% | 6.1% | £214 | 11.7% |
| Bull | £765 | 9.7% | 6.9% | £307 | 18.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.19% |
| Net Yield | ●5.43% |
| Net Annual Income | £5,154 |
| Deductions: void 8% (−£622) · mgmt 10% (−£778) · maint 10% (−£778) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£134 |
| Cash-on-Cash Return | ●4.89% |
| 5-Year IRR | ●6.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,748 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,748 |
| Section 24 Extra Tax/yr (higher rate) | £712 |
| SPV Annual Saving | £1,378 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,073 |
| Less: Purchase Price | −£94,950 |
| Less: Buying Costs (SDLT + legal) | −£7,348 |
| Less: Selling Costs (est. 2.5%) | −£2,752 |
| = CGT Net Gain (5yr) | £5,023 |
| CGT at 24% | £486 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £551 | 7.0% | 4.1% | £-65 | -8.1% |
| Conservative | £603 | 7.6% | 4.9% | £58 | 2.3% |
| Base | £648 | 8.2% | 5.4% | £133 | 6.7% |
| Optimistic | £700 | 8.8% | 6.1% | £214 | 11.7% |
| Bull | £765 | 9.7% | 6.9% | £307 | 18.1% |
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