🔒 Sign in to view the address
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 59% above the area median. Offers anchored to area median of £94,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| Total Estimated Refurb | £4,500 |
⚠ 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 | Builders Blackpool Ltd| Trusted Local Builders | 07487 678364 | — |
| decorator | Painter and decorator | Fantastic Finish Decorators | 07464 967 344 | — |
| photographer | Creative Portraits | 07549 946326 | — |
Property Details
- Asking Price
- £150,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £12,165 | £154,500 | £8,314 | £2,689 | £7,189 | 14.5% |
| Yr 3 | £12,781 | £163,909 | £8,757 | £8,729 | £22,638 | 45.6% |
| Yr 5 | £13,428 | £173,891 | £9,223 | £15,689 | £39,580 | 79.8% |
| Yr 10 | £15,192 | £201,587 | £10,494 | £37,428 | £89,016 | 179.5% |
| Yr 15 | £17,189 | £233,695 | £11,931 | £66,012 | £149,707 | 301.8% |
| Yr 20 | £19,448 | £270,917 | £13,557 | £102,341 | £223,257 | 450.1% |
| Yr 25 | £22,003 | £314,067 | £15,397 | £147,431 | £311,498 | 628.0% |
| Yr 30 | £24,895 | £364,089 | £17,479 | £202,435 | £416,524 | 839.8% |
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 — North West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £862 | 6.9% | 4.2% | £-86 | -7.0% |
| Conservative | £943 | 7.5% | 5.0% | £107 | 3.3% |
| Base | £1,014 | 8.1% | 5.5% | £224 | 7.8% |
| Optimistic | £1,095 | 8.8% | 6.2% | £351 | 12.8% |
| Bull | £1,197 | 9.6% | 7.0% | £497 | 19.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.11% |
| Net Yield | ●5.54% |
| Net Annual Income | £8,316 |
| Deductions: void 8% (−£973) · mgmt 10% (−£1,216) · maint 10% (−£1,216) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£225 |
| Cash-on-Cash Return | ●5.43% |
| 5-Year IRR | ●7.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,096 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £862 | 6.9% | 4.2% | £-86 | -7.0% |
| Conservative | £943 | 7.5% | 5.0% | £107 | 3.3% |
| Base | £1,014 | 8.1% | 5.5% | £224 | 7.8% |
| Optimistic | £1,095 | 8.8% | 6.2% | £351 | 12.8% |
| Bull | £1,197 | 9.6% | 7.0% | £497 | 19.3% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →