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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £112,000. 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 | £1,600 |
| 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
- £125,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 sqft
- 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 | £10,200 | £128,750 | £6,899 | £2,212 | £5,962 | 14.3% |
| Yr 3 | £10,716 | £136,591 | £7,271 | £7,190 | £18,781 | 45.1% |
| Yr 5 | £11,259 | £144,909 | £7,661 | £12,940 | £32,849 | 79.0% |
| Yr 10 | £12,738 | £167,990 | £8,727 | £30,953 | £73,942 | 177.7% |
| Yr 15 | £14,412 | £194,746 | £9,932 | £54,705 | £124,450 | 299.2% |
| Yr 20 | £16,306 | £225,764 | £11,295 | £84,950 | £185,714 | 446.4% |
| Yr 25 | £18,449 | £261,722 | £12,838 | £122,542 | £259,264 | 623.2% |
| Yr 30 | £20,873 | £303,408 | £14,584 | £168,446 | £346,854 | 833.8% |
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
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● 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 | £722 | 6.9% | 4.2% | £-75 | -7.2% |
| Conservative | £790 | 7.6% | 5.0% | £87 | 3.2% |
| Base | £850 | 8.2% | 5.5% | £184 | 7.6% |
| Optimistic | £918 | 8.8% | 6.2% | £291 | 12.6% |
| Bull | £1,003 | 9.6% | 7.0% | £413 | 19.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.16% |
| Net Yield | ●5.52% |
| Net Annual Income | £6,899 |
| Deductions: void 8% (−£816) · mgmt 10% (−£1,020) · maint 10% (−£1,020) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£185 |
| Cash-on-Cash Return | ●5.32% |
| 5-Year IRR | ●7.6% |
● 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 | £1,773 |
| 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 | £722 | 6.9% | 4.2% | £-75 | -7.2% |
| Conservative | £790 | 7.6% | 5.0% | £87 | 3.2% |
| Base | £850 | 8.2% | 5.5% | £184 | 7.6% |
| Optimistic | £918 | 8.8% | 6.2% | £291 | 12.6% |
| Bull | £1,003 | 9.6% | 7.0% | £413 | 19.1% |
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