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End of Terrace · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 75% above the area median. Offers anchored to area median of £108,000. 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 | £350 |
| Bedroom 2 | £350 |
| Bedroom 3 | £350 |
| Bedroom 4 | £350 |
| Bedroom 5 | £350 |
| 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
- £190,000
- Property Type
- End of Terrace
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- 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 | £10,659 | £195,700 | £7,229 | £104 | £5,804 | 9.3% |
| Yr 3 | £11,199 | £207,618 | £7,618 | £894 | £18,512 | 29.7% |
| Yr 5 | £11,766 | £220,262 | £8,026 | £2,490 | £32,752 | 52.5% |
| Yr 10 | £13,312 | £255,344 | £9,139 | £10,280 | £75,624 | 121.2% |
| Yr 15 | £15,061 | £296,014 | £10,399 | £24,068 | £130,082 | 208.5% |
| Yr 20 | £17,040 | £343,161 | £11,824 | £44,642 | £197,803 | 317.0% |
| Yr 25 | £19,279 | £397,818 | £13,436 | £72,893 | £280,711 | 449.9% |
| Yr 30 | £21,813 | £461,180 | £15,260 | £109,830 | £381,010 | 610.6% |
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 | £755 | 4.8% | 2.9% | £-318 | -13.4% |
| Conservative | £826 | 5.2% | 3.4% | £-112 | -2.0% |
| Base | £888 | 5.6% | 3.8% | £9 | 2.8% |
| Optimistic | £959 | 6.1% | 4.2% | £138 | 8.3% |
| Bull | £1,048 | 6.6% | 4.8% | £284 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.61% |
| Net Yield | ●3.8% |
| Net Annual Income | £7,227 |
| Deductions: void 8% (−£853) · mgmt 10% (−£1,066) · maint 10% (−£1,066) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£9 |
| Cash-on-Cash Return | ●0.16% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £1,959 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £755 | 4.8% | 2.9% | £-318 | -13.4% |
| Conservative | £826 | 5.2% | 3.4% | £-112 | -2.0% |
| Base | £888 | 5.6% | 3.8% | £9 | 2.8% |
| Optimistic | £959 | 6.1% | 4.2% | £138 | 8.3% |
| Bull | £1,048 | 6.6% | 4.8% | £284 | 15.1% |
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