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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 31% above the area median. Offers anchored to area median of £95,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| Entrance Hall | £200 |
| 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
- £125,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- 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 | £15,175 | £128,750 | £10,481 | £5,794 | £9,544 | 22.9% |
| Yr 3 | £15,943 | £136,591 | £11,034 | £18,207 | £29,798 | 71.6% |
| Yr 5 | £16,750 | £144,909 | £11,615 | £31,768 | £51,677 | 124.2% |
| Yr 10 | £18,951 | £167,990 | £13,200 | £71,083 | £114,073 | 274.2% |
| Yr 15 | £21,442 | £194,746 | £14,993 | £118,937 | £188,683 | 453.6% |
| Yr 20 | £24,260 | £225,764 | £17,022 | £176,451 | £277,215 | 666.4% |
| Yr 25 | £27,447 | £261,722 | £19,317 | £244,895 | £381,617 | 917.3% |
| Yr 30 | £31,054 | £303,408 | £21,914 | £325,706 | £504,114 | 1211.8% |
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: 880 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 10.3% | 6.4% | £154 | 3.1% |
| Conservative | £1,176 | 11.3% | 7.5% | £357 | 11.9% |
| Base | £1,265 | 12.1% | 8.4% | £483 | 15.9% |
| Optimistic | £1,366 | 13.1% | 9.3% | £622 | 20.4% |
| Bull | £1,493 | 14.3% | 10.5% | £785 | 26.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.14% |
| Net Yield | ●8.39% |
| 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 | £390 |
| Monthly Cashflow (IO) | ●£484 |
| Cash-on-Cash Return | ●13.94% |
| 5-Year IRR | ●15.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £2,471 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 10.3% | 6.4% | £154 | 3.1% |
| Conservative | £1,176 | 11.3% | 7.5% | £357 | 11.9% |
| Base | £1,265 | 12.1% | 8.4% | £483 | 15.9% |
| Optimistic | £1,366 | 13.1% | 9.3% | £622 | 20.4% |
| Bull | £1,493 | 14.3% | 10.5% | £785 | 26.2% |
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