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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 16% 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 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| 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 Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £190,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £11,229 | £195,700 | £7,640 | £515 | £6,215 | 10.0% |
| Yr 3 | £11,797 | £207,618 | £8,049 | £2,156 | £19,774 | 31.7% |
| Yr 5 | £12,395 | £220,262 | £8,479 | £4,647 | £34,909 | 55.9% |
| Yr 10 | £14,023 | £255,344 | £9,652 | £14,878 | £80,222 | 128.6% |
| Yr 15 | £15,866 | £296,014 | £10,979 | £31,427 | £137,441 | 220.3% |
| Yr 20 | £17,951 | £343,161 | £12,480 | £55,125 | £208,287 | 333.8% |
| Yr 25 | £20,310 | £397,818 | £14,178 | £86,911 | £294,729 | 472.3% |
| Yr 30 | £22,979 | £461,180 | £16,100 | £127,848 | £399,028 | 639.5% |
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 — North West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 5.0% | 3.0% | £-292 | -12.6% |
| Conservative | £870 | 5.5% | 3.6% | £-81 | -1.3% |
| Base | £936 | 5.9% | 4.0% | £43 | 3.5% |
| Optimistic | £1,011 | 6.4% | 4.5% | £177 | 8.9% |
| Bull | £1,104 | 7.0% | 5.1% | £327 | 15.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.91% |
| Net Yield | ●4.02% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£898) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£44 |
| Cash-on-Cash Return | ●0.83% |
| 5-Year IRR | ●3.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £2,040 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 5.0% | 3.0% | £-292 | -12.6% |
| Conservative | £870 | 5.5% | 3.6% | £-81 | -1.3% |
| Base | £936 | 5.9% | 4.0% | £43 | 3.5% |
| Optimistic | £1,011 | 6.4% | 4.5% | £177 | 8.9% |
| Bull | £1,104 | 7.0% | 5.1% | £327 | 15.7% |
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