🔒 Sign in to view the address — Liverpool
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 54% above the area median. Offers anchored to area median of £93,000. 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 | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| 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
- £144,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £11,232 | £148,320 | £7,642 | £2,242 | £6,562 | 13.8% |
| Yr 3 | £11,801 | £157,353 | £8,051 | £7,338 | £20,690 | 43.4% |
| Yr 5 | £12,398 | £166,935 | £8,482 | £13,283 | £36,219 | 76.0% |
| Yr 10 | £14,027 | £193,524 | £9,655 | £32,152 | £81,676 | 171.3% |
| Yr 15 | £15,871 | £224,347 | £10,982 | £57,341 | £137,689 | 288.8% |
| Yr 20 | £17,956 | £260,080 | £12,483 | £89,681 | £205,761 | 431.5% |
| Yr 25 | £20,316 | £301,504 | £14,182 | £130,110 | £287,614 | 603.2% |
| Yr 30 | £22,985 | £349,526 | £16,104 | £179,693 | £385,219 | 807.9% |
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 | £796 | 6.6% | 4.0% | £-105 | -7.9% |
| Conservative | £870 | 7.3% | 4.8% | £77 | 2.6% |
| Base | £936 | 7.8% | 5.3% | £187 | 7.1% |
| Optimistic | £1,011 | 8.4% | 5.9% | £306 | 12.2% |
| Bull | £1,104 | 9.2% | 6.7% | £442 | 18.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.8% |
| Net Yield | ●5.31% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£899) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £449 |
| Monthly Cashflow (IO) | ●£188 |
| Cash-on-Cash Return | ●4.7% |
| 5-Year IRR | ●7.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,580 |
| SDLT Effective Rate | 5.26% |
| SDLT (Company) | £7,580 |
| Section 24 Extra Tax/yr (higher rate) | £1,080 |
| SPV Annual Saving | £1,954 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £166,935 |
| Less: Purchase Price | −£144,000 |
| Less: Buying Costs (SDLT + legal) | −£10,180 |
| Less: Selling Costs (est. 2.5%) | −£4,173 |
| = CGT Net Gain (5yr) | £8,582 |
| CGT at 24% | £1,340 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 6.6% | 4.0% | £-105 | -7.9% |
| Conservative | £870 | 7.3% | 4.8% | £77 | 2.6% |
| Base | £936 | 7.8% | 5.3% | £187 | 7.1% |
| Optimistic | £1,011 | 8.4% | 5.9% | £306 | 12.2% |
| Bull | £1,104 | 9.2% | 6.7% | £442 | 18.7% |
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