🔒 Sign in to view the address — Liverpool
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
- £154,000
- 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
📈 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 | £15,184 | £158,620 | £10,488 | £4,713 | £9,333 | 18.3% |
| Yr 3 | £15,953 | £168,280 | £11,041 | £14,965 | £29,245 | 57.5% |
| Yr 5 | £16,761 | £178,528 | £11,623 | £26,366 | £50,894 | 100.0% |
| Yr 10 | £18,963 | £206,963 | £13,209 | £60,284 | £113,247 | 222.6% |
| Yr 15 | £21,455 | £239,927 | £15,003 | £102,746 | £188,673 | 370.8% |
| Yr 20 | £24,275 | £278,141 | £17,033 | £154,874 | £279,015 | 548.4% |
| Yr 25 | £27,464 | £322,442 | £19,329 | £217,939 | £386,381 | 759.4% |
| Yr 30 | £31,073 | £373,798 | £21,928 | £293,378 | £513,176 | 1008.6% |
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 | £1,075 | 8.4% | 5.2% | £36 | -2.4% |
| Conservative | £1,176 | 9.2% | 6.1% | £257 | 7.2% |
| Base | £1,265 | 9.9% | 6.8% | £392 | 11.4% |
| Optimistic | £1,366 | 10.6% | 7.6% | £541 | 16.3% |
| Bull | £1,493 | 11.6% | 8.6% | £712 | 22.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.86% |
| Net Yield | ●6.81% |
| Net Annual Income | £10,485 |
| Deductions: void 8% (−£1,215) · mgmt 10% (−£1,518) · maint 10% (−£1,518) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £480 |
| Monthly Cashflow (IO) | ●£394 |
| Cash-on-Cash Return | ●9.26% |
| 5-Year IRR | ●11.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,280 |
| SDLT Effective Rate | 5.38% |
| SDLT (Company) | £8,280 |
| Section 24 Extra Tax/yr (higher rate) | £1,155 |
| SPV Annual Saving | £2,525 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £178,528 |
| Less: Purchase Price | −£154,000 |
| Less: Buying Costs (SDLT + legal) | −£10,880 |
| Less: Selling Costs (est. 2.5%) | −£4,463 |
| = CGT Net Gain (5yr) | £9,185 |
| CGT at 24% | £1,484 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 8.4% | 5.2% | £36 | -2.4% |
| Conservative | £1,176 | 9.2% | 6.1% | £257 | 7.2% |
| Base | £1,265 | 9.9% | 6.8% | £392 | 11.4% |
| Optimistic | £1,366 | 10.6% | 7.6% | £541 | 16.3% |
| Bull | £1,493 | 11.6% | 8.6% | £712 | 22.4% |
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