🔒 Sign in to view the address
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| Total Estimated Refurb | £10,800 |
⚠ 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
- £150,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
⚠️ Only 2 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 4 | — | — | — | — |
| Sector sale 2 | Terraced | 1 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 2 | — | — | — | — |
| Sector sale 8 | Terraced | 2 | — | — | — | — |
| Sector sale 9 | Terraced | 2 | — | — | — | — |
| Sector sale 10 | Terraced | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Standard — 2/10Behavioural signals: 6.2% price cut
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £468 |
| ICR (actual) | 2.7x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £150,000 |
| Deposit (25% — 75% LTV) | £37,500 |
| SDLT (additional property, 5% surcharge) | £8,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £48,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £150,000 | Loan (75% LTV) | £112,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £516 |
| Rent needed (1.5×) | £773/mo | Estimated rent | £1,265/mo |
| Stress ratio | 2.45× (need ≥ 1.5×) +£492 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £172,500 |
| 75% remortgage | £129,375 |
| Cash left in deal | £31,425 (35% recycled) |
| Est. BTL cashflow | +£283/mo |
| Gross margin | £-45,000 |
| Reno cost (est.) | –£10,800 |
| Buy + sell costs | –£13,175 |
| Net profit | £-68,975 (-142.8% ROI) |
| SA gross/mo | £1,516 |
| SA net/mo | £1,184 |
| BTL est./mo | £1,265 |
| SA vs BTL uplift | +£251/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £161,534 | +£11,534 | £43,063 | +£5,563 (3.7%) |
| 5 years | £169,711 | +£19,711 | £49,155 | +£11,655 (7.8%) |
| 7 years | £178,303 | +£28,303 | £55,556 | +£18,056 (12.0%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
Finance This Investment
Property SPV
Set up a limited company to hold property assets and reduce tax exposure.
Set up a property SPV from £12.99 — 1st FormationsEPC Certificates
Energy Performance Certificates, Gas Safety Checks and Electrical Condition Reports.
Get your EPCSell Your Property Fast
Cash purchases or auction. No fees. Ideal for motivated sellers or distressed assets.
Get a cash offerAffiliate disclosure: PropertyAlert.uk may earn a commission from these links at no extra cost to you.
📈 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 | £15,180 | £154,500 | £10,485 | £4,860 | £9,360 | 18.9% |
| Yr 3 | £15,948 | £163,909 | £11,038 | £15,405 | £29,314 | 59.1% |
| Yr 5 | £16,756 | £173,891 | £11,619 | £27,100 | £50,991 | 102.8% |
| Yr 10 | £18,958 | £201,587 | £13,205 | £61,748 | £113,336 | 228.5% |
| Yr 15 | £21,449 | £233,695 | £14,998 | £104,939 | £188,634 | 380.3% |
| Yr 20 | £24,268 | £270,917 | £17,028 | £157,793 | £278,710 | 561.9% |
| Yr 25 | £27,456 | £314,067 | £19,324 | £221,581 | £385,647 | 777.5% |
| Yr 30 | £31,064 | £364,089 | £21,921 | £297,739 | £511,828 | 1031.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | £1,075 | 8.6% | 5.3% | £52 | -1.7% |
| Conservative | £1,176 | 9.4% | 6.3% | £271 | 7.8% |
| Base | £1,265 | 10.1% | 7.0% | £405 | 12.0% |
| Optimistic | £1,366 | 10.9% | 7.8% | £552 | 16.7% |
| Bull | £1,493 | 11.9% | 8.8% | £722 | 22.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.12% |
| Net Yield | ●6.99% |
| Net Annual Income | £10,485 |
| Deductions: void 8% (−£1,214) · mgmt 10% (−£1,518) · maint 10% (−£1,518) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£406 |
| Cash-on-Cash Return | ●9.8% |
| 5-Year IRR | ●12.0% |
● 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 | £2,518 |
| 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 | £1,075 | 8.6% | 5.3% | £52 | -1.7% |
| Conservative | £1,176 | 9.4% | 6.3% | £271 | 7.8% |
| Base | £1,265 | 10.1% | 7.0% | £405 | 12.0% |
| Optimistic | £1,366 | 10.9% | 7.8% | £552 | 16.7% |
| Bull | £1,493 | 11.9% | 8.8% | £722 | 22.9% |