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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 81% above the area median. Offers anchored to area median of £102,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £150 |
| Bedroom 2 | £150 |
| Bedroom 3 | £150 |
| Bedroom 4 | £150 |
| Bedroom 5 | £150 |
| Total Estimated Refurb | £1,800 |
⚠ 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
- £185,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £10,656 | £190,550 | £7,227 | £290 | £5,840 | 9.6% |
| Yr 3 | £11,195 | £202,154 | £7,616 | £1,450 | £18,604 | 30.6% |
| Yr 5 | £11,762 | £214,466 | £8,024 | £3,416 | £32,881 | 54.1% |
| Yr 10 | £13,308 | £248,625 | £9,137 | £12,131 | £75,755 | 124.6% |
| Yr 15 | £15,057 | £288,224 | £10,396 | £26,842 | £130,066 | 213.9% |
| Yr 20 | £17,035 | £334,131 | £11,820 | £48,337 | £197,467 | 324.8% |
| Yr 25 | £19,274 | £387,349 | £13,432 | £77,507 | £279,856 | 460.3% |
| Yr 30 | £21,807 | £449,044 | £15,256 | £115,361 | £379,404 | 624.0% |
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
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● 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 | £755 | 4.9% | 2.9% | £-298 | -13.0% |
| Conservative | £826 | 5.4% | 3.5% | £-95 | -1.7% |
| Base | £888 | 5.8% | 3.9% | £24 | 3.1% |
| Optimistic | £959 | 6.2% | 4.4% | £152 | 8.6% |
| Bull | £1,048 | 6.8% | 4.9% | £297 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.76% |
| Net Yield | ●3.91% |
| Net Annual Income | £7,227 |
| Deductions: void 8% (−£852) · mgmt 10% (−£1,066) · maint 10% (−£1,066) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £577 |
| Monthly Cashflow (IO) | ●£25 |
| Cash-on-Cash Return | ●0.48% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £1,950 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £755 | 4.9% | 2.9% | £-298 | -13.0% |
| Conservative | £826 | 5.4% | 3.5% | £-95 | -1.7% |
| Base | £888 | 5.8% | 3.9% | £24 | 3.1% |
| Optimistic | £959 | 6.2% | 4.4% | £152 | 8.6% |
| Bull | £1,048 | 6.8% | 4.9% | £297 | 15.4% |
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