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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 25% 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: 7/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Entrance Hall | £200 |
| 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
- £90,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £9,783 | £92,700 | £6,599 | £3,224 | £5,924 | 19.0% |
| Yr 3 | £10,278 | £98,345 | £6,955 | £10,204 | £18,549 | 59.6% |
| Yr 5 | £10,799 | £104,335 | £7,330 | £17,924 | £32,259 | 103.7% |
| Yr 10 | £12,218 | £120,952 | £8,352 | £40,714 | £71,666 | 230.4% |
| Yr 15 | £13,823 | £140,217 | £9,508 | £69,008 | £119,225 | 383.4% |
| Yr 20 | £15,640 | £162,550 | £10,816 | £103,530 | £176,080 | 566.2% |
| Yr 25 | £17,695 | £188,440 | £12,295 | £145,099 | £243,539 | 783.1% |
| Yr 30 | £20,020 | £218,454 | £13,969 | £194,640 | £323,094 | 1038.9% |
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 | £693 | 9.2% | 5.5% | £48 | -1.5% |
| Conservative | £758 | 10.1% | 6.6% | £184 | 7.8% |
| Base | £815 | 10.9% | 7.3% | £268 | 11.9% |
| Optimistic | £880 | 11.7% | 8.2% | £361 | 16.5% |
| Bull | £962 | 12.8% | 9.3% | £469 | 22.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.87% |
| Net Yield | ●7.33% |
| Net Annual Income | £6,597 |
| Deductions: void 8% (−£783) · mgmt 10% (−£978) · maint 10% (−£978) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£269 |
| Cash-on-Cash Return | ●10.36% |
| 5-Year IRR | ●11.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,649 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 9.2% | 5.5% | £48 | -1.5% |
| Conservative | £758 | 10.1% | 6.6% | £184 | 7.8% |
| Base | £815 | 10.9% | 7.3% | £268 | 11.9% |
| Optimistic | £880 | 11.7% | 8.2% | £361 | 16.5% |
| Bull | £962 | 12.8% | 9.3% | £469 | 22.5% |
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