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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 17% above the area median. Offers anchored to area median of £70,000. 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 | £1,700 |
| 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
- £82,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- 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 | £9,783 | £84,460 | £6,598 | £3,523 | £5,983 | 20.8% |
| Yr 3 | £10,278 | £89,604 | £6,955 | £11,103 | £18,707 | 65.2% |
| Yr 5 | £10,798 | £95,060 | £7,330 | £19,423 | £32,483 | 113.2% |
| Yr 10 | £12,217 | £110,201 | £8,351 | £43,711 | £71,912 | 250.6% |
| Yr 15 | £13,823 | £127,753 | £9,507 | £73,503 | £119,256 | 415.5% |
| Yr 20 | £15,639 | £148,101 | £10,815 | £109,523 | £175,624 | 611.9% |
| Yr 25 | £17,694 | £171,690 | £12,295 | £152,589 | £242,279 | 844.2% |
| Yr 30 | £20,019 | £199,036 | £13,969 | £203,627 | £320,663 | 1117.3% |
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?
📄 Lease Information
Estimated remaining lease: 979 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 10.1% | 6.0% | £80 | 0.7% |
| Conservative | £758 | 11.1% | 7.2% | £212 | 9.7% |
| Base | £815 | 11.9% | 8.0% | £293 | 13.6% |
| Optimistic | £880 | 12.9% | 9.0% | £384 | 18.1% |
| Bull | £962 | 14.1% | 10.2% | £489 | 23.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.93% |
| Net Yield | ●8.05% |
| Net Annual Income | £6,597 |
| Deductions: void 8% (−£783) · mgmt 10% (−£978) · maint 10% (−£978) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £256 |
| Monthly Cashflow (IO) | ●£294 |
| Cash-on-Cash Return | ●12.27% |
| 5-Year IRR | ●13.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,100 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,100 |
| Section 24 Extra Tax/yr (higher rate) | £615 |
| SPV Annual Saving | £1,635 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £95,060 |
| Less: Purchase Price | −£82,000 |
| Less: Buying Costs (SDLT + legal) | −£6,700 |
| Less: Selling Costs (est. 2.5%) | −£2,377 |
| = CGT Net Gain (5yr) | £3,983 |
| CGT at 24% | £236 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 10.1% | 6.0% | £80 | 0.7% |
| Conservative | £758 | 11.1% | 7.2% | £212 | 9.7% |
| Base | £815 | 11.9% | 8.0% | £293 | 13.6% |
| Optimistic | £880 | 12.9% | 9.0% | £384 | 18.1% |
| Bull | £962 | 14.1% | 10.2% | £489 | 23.9% |
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