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Terraced · 4 bed
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Suggested Offer Range
Asking price is 10% above the area median. Offers anchored to area median of £150,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £165,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £15,180 | £169,950 | £10,485 | £4,297 | £9,247 | 17.0% |
| Yr 3 | £15,948 | £180,300 | £11,038 | £13,718 | £29,018 | 53.3% |
| Yr 5 | £16,756 | £191,280 | £11,619 | £24,287 | £50,567 | 93.0% |
| Yr 10 | £18,958 | £221,746 | £13,205 | £56,123 | £112,870 | 207.5% |
| Yr 15 | £21,449 | £257,065 | £14,998 | £96,501 | £188,566 | 346.6% |
| Yr 20 | £24,268 | £298,008 | £17,028 | £146,543 | £279,551 | 513.9% |
| Yr 25 | £27,456 | £345,473 | £19,324 | £207,518 | £387,992 | 713.2% |
| Yr 30 | £31,064 | £400,498 | £21,921 | £280,864 | £516,362 | 949.2% |
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 | £1,075 | 7.8% | 4.8% | £-8 | -4.0% |
| Conservative | £1,176 | 8.6% | 5.7% | £219 | 5.9% |
| Base | £1,265 | 9.2% | 6.4% | £358 | 10.2% |
| Optimistic | £1,366 | 9.9% | 7.1% | £510 | 15.1% |
| Bull | £1,493 | 10.9% | 8.0% | £685 | 21.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.2% |
| Net Yield | ●6.35% |
| 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 | £515 |
| Monthly Cashflow (IO) | ●£359 |
| Cash-on-Cash Return | ●7.9% |
| 5-Year IRR | ●10.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £2,546 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 7.8% | 4.8% | £-8 | -4.0% |
| Conservative | £1,176 | 8.6% | 5.7% | £219 | 5.9% |
| Base | £1,265 | 9.2% | 6.4% | £358 | 10.2% |
| Optimistic | £1,366 | 9.9% | 7.1% | £510 | 15.1% |
| Bull | £1,493 | 10.9% | 8.0% | £685 | 21.3% |
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