Apartment 240, Southside, St John's Walk, Birmingham, B5 4TJ

UPRN:10023506378Flat/Maisonette1 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band BEPC: C (71)

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

Valuation estimateUpdated yesterday

£142,000

Estimated value

Range: £135k - £149k|Last sold: £153k (2018-06-14)

Estimate of £142k 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

£142k

£135k - £149k - High confidence

Annualised (CAGR)

-2.44%

Over the full window

Peak estimate

£179k

Jan 2023

From peak

-20.67%

Drawdown from peak

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

Growth by window

+0.00%

-0.70%

12m

-9.55%

24m

-12.88%

60m

-17.92%

Rental Market

Monthly

Estimated rent (pcm)

£800

/ month

Gross yield

8.73%

Rent ÷ asking price

Net yield

6.04%

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

£153k

2018-06-14

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£110,000
SDLT standard£0
SDLT BTL surcharge (5%)£5,500
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£117,600

Funding

Deposit (25%)£27,500
Mortgage (75% LTV)£82,500
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£35,100

Monthly Returns

Monthly Rent (estimate)£800
Mortgage Payment (IO)-£361
Management (10%)-£80
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£259

Capital Returns

5yr Property Value£96,326
5yr Capital Gain (-2.62% pa, historical)-£13,674
5yr Cumulative Rent (net, before lease costs)+£38,955
Less mortgage interest-£21,660
5yr Total Return (before lease costs)+£3,620

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	£107,118	£24,618	+£3,108	+£226	0.6%
Year 2	£104,312	£21,812	+£6,384	+£696	2.0%
Year 3	£101,579	£19,079	+£9,844	+£1,422	4.1%
Year 4	£98,917	£16,417	+£13,479	+£2,397	6.8%
Year 5	£96,326	£13,826	+£17,295	+£3,620	10.3%

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 (£35,100).

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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