Apartment 220, Southside, St John's Walk, Birmingham, B5 4TJ

UPRN:10023296439Flat/Maisonette1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band DEPC: B (81)

Data freshness:Planning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

Valuation estimateUpdated 2 days ago

£110,000

Estimated value

Range: £105k - £116k|Last sold: £187k (2006-01-04)

Estimate of £110k for this flat/maisonette. 100 sales in B5 in the last 12 months; median £215k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£110k

£105k - £116k - High confidence

Annualised (CAGR)

-10.37%

Over the full window

Peak estimate

£235k

Nov 2022

From peak

-53.19%

Drawdown from peak

AVM estimate (model)Repeat-sales index - B5 district (quarterly)index YoY -46.42%

Growth by window

-18.52%

-20.86%

12m

-43.01%

24m

-43.59%

60m

-50.67%

Rental Market

Monthly

Estimated rent (pcm)

£600

/ month

Gross yield

7.20%

Rent ÷ asking price

Net yield

4.98%

Assumes ~31% running costs (not this property's)

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£215k

B5 sales, last 12 months

12m Price Growth

B5 median, Land Registry

Days on Market

92d

B5 average

Sales & Yield

3 metrics

Transactions / 12m

100

B5 sales

Area Gross Yield

8.01%

B5 medians

Last Sold

£187k

2006-01-04

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£100,000
SDLT standard£0
SDLT BTL surcharge (5%)£5,000
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£107,100

Funding

Deposit (25%)£25,000
Mortgage (75% LTV)£75,000
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£32,100

Monthly Returns

Monthly Rent (estimate)£600
Mortgage Payment (IO)-£328
Management (10%)-£60
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£112

Capital Returns

5yr Property Value£87,569
5yr Capital Gain (-2.62% pa, historical)-£12,431
5yr Cumulative Rent (net, before lease costs)+£27,725
Less mortgage interest-£19,680
5yr Total Return (before lease costs)-£4,386

Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.

5-Year Projection

BTL · Interest Only

Year	Property Value	Equity	Cashflow (cumulative)	Total Return	ROI
Year 1	£97,380	£22,380	+£1,344	-£1,276	-4.0%
Year 2	£94,829	£19,829	+£2,820	-£2,351	-7.3%
Year 3	£92,344	£17,344	+£4,431	-£3,225	-10.0%
Year 4	£89,925	£14,925	+£6,168	-£3,908	-12.2%
Year 5	£87,569	£12,569	+£8,045	-£4,386	-13.7%

Modelled on the live asking price. Capital growth -2.62% a year is the B5 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£32,100).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,109

Population

Signal

1.1%

Households Deprived

Upside Opportunities

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