🔒 Sign in to view the address — Liverpool
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 20% above the comparable sales mean. Offers anchored to comparable sales mean of £108,000.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| 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
- £129,950
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 3-5-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 4 | — | — | — | — |
| Sector sale 2 | Terraced | 5 | — | — | — | — |
| Sector sale 3 | Terraced | 3 | — | — | — | — |
| Sector sale 4 | Terraced | 3 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 4 | — | — | — | — |
| Sector sale 8 | Terraced | 3 | — | — | — | — |
| Sector sale 9 | Terraced | 3 | — | — | — | — |
| Sector sale 10 | Terraced | 3 | — | — | — | — |
■ 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 estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 277 days on market7.1% price cutTenanted investment
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £405 |
| ICR (actual) | 3.12x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £129,950 |
| Deposit (25% — 75% LTV) | £32,487 |
| SDLT (additional property, 5% surcharge) | £6,596 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £42,082 |
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 | £129,950 | Loan (75% LTV) | £97,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £447 |
| Rent needed (1.5×) | £670/mo | Estimated rent | £1,265/mo |
| Stress ratio | 2.83× (need ≥ 1.5×) +£595 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) | £149,442 |
| 75% remortgage | £112,082 |
| Cash left in deal | £22,368 (40% recycled) |
| Est. BTL cashflow | +£355/mo |
| Gross margin | £-19,950 |
| Reno cost (est.) | –£4,500 |
| Buy + sell costs | –£11,846 |
| Net profit | £-36,296 (-98.1% ROI) |
| SA gross/mo | £1,516 |
| SA net/mo | £1,184 |
| BTL est./mo | £1,265 |
| SA vs BTL uplift | +£251/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £139,942 | +£9,992 | £37,202 | +£4,715 (3.6%) |
| 5 years | £147,026 | +£17,076 | £42,480 | +£9,993 (7.7%) |
| 7 years | £154,470 | +£24,520 | £48,025 | +£15,538 (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
Bridging Finance
Auction purchase, chain break, or refurbishment finance — one enquiry, whole-of-market search.
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📈 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 | £15,178 | £133,848 | £10,483 | £5,610 | £9,509 | 22.0% |
| Yr 3 | £15,947 | £142,000 | £11,037 | £17,657 | £29,707 | 68.8% |
| Yr 5 | £16,754 | £150,648 | £11,618 | £30,852 | £51,550 | 119.4% |
| Yr 10 | £18,955 | £174,642 | £13,203 | £69,252 | £113,944 | 263.9% |
| Yr 15 | £21,446 | £202,458 | £14,996 | £116,193 | £188,701 | 437.0% |
| Yr 20 | £24,265 | £234,704 | £17,025 | £172,797 | £277,551 | 642.7% |
| Yr 25 | £27,453 | £272,086 | £19,321 | £240,332 | £382,469 | 885.7% |
| Yr 30 | £31,061 | £315,423 | £21,919 | £320,237 | £505,710 | 1171.1% |
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: 850 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 9.9% | 6.1% | £134 | 2.0% |
| Conservative | £1,176 | 10.9% | 7.3% | £340 | 11.0% |
| Base | £1,265 | 11.7% | 8.1% | £468 | 15.0% |
| Optimistic | £1,366 | 12.6% | 9.0% | £608 | 19.6% |
| Bull | £1,493 | 13.8% | 10.1% | £772 | 25.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.68% |
| Net Yield | ●8.07% |
| 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 | £405 |
| Monthly Cashflow (IO) | ●£469 |
| Cash-on-Cash Return | ●13.0% |
| 5-Year IRR | ●15.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,596 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,596 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £2,480 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,648 |
| Less: Purchase Price | −£129,950 |
| Less: Buying Costs (SDLT + legal) | −£9,196 |
| Less: Selling Costs (est. 2.5%) | −£3,766 |
| = CGT Net Gain (5yr) | £7,736 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 9.9% | 6.1% | £134 | 2.0% |
| Conservative | £1,176 | 10.9% | 7.3% | £340 | 11.0% |
| Base | £1,265 | 11.7% | 8.1% | £468 | 15.0% |
| Optimistic | £1,366 | 12.6% | 9.0% | £608 | 19.6% |
| Bull | £1,493 | 13.8% | 10.1% | £772 | 25.4% |
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