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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 £99,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| Total Estimated Refurb | £10,800 |
⚠ 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
- £110,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £11,231 | £113,300 | £7,641 | £3,516 | £6,816 | 18.4% |
| Yr 3 | £11,800 | £120,200 | £8,051 | £11,160 | £21,360 | 57.6% |
| Yr 5 | £12,397 | £127,520 | £8,481 | £19,654 | £37,175 | 100.2% |
| Yr 10 | £14,026 | £147,831 | £9,654 | £44,894 | £82,725 | 223.0% |
| Yr 15 | £15,869 | £171,376 | £10,981 | £76,453 | £137,830 | 371.5% |
| Yr 20 | £17,954 | £198,672 | £12,482 | £115,162 | £203,835 | 549.4% |
| Yr 25 | £20,314 | £230,316 | £14,181 | £161,961 | £282,276 | 760.9% |
| Yr 30 | £22,983 | £266,999 | £16,103 | £217,911 | £374,910 | 1010.5% |
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 | £796 | 8.7% | 5.2% | £33 | -2.3% |
| Conservative | £870 | 9.5% | 6.2% | £194 | 7.2% |
| Base | £936 | 10.2% | 6.9% | £293 | 11.4% |
| Optimistic | £1,011 | 11.0% | 7.8% | £402 | 16.1% |
| Bull | £1,104 | 12.0% | 8.8% | £527 | 22.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.21% |
| Net Yield | ●6.95% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£898) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£294 |
| Cash-on-Cash Return | ●9.48% |
| 5-Year IRR | ●11.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,890 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 8.7% | 5.2% | £33 | -2.3% |
| Conservative | £870 | 9.5% | 6.2% | £194 | 7.2% |
| Base | £936 | 10.2% | 6.9% | £293 | 11.4% |
| Optimistic | £1,011 | 11.0% | 7.8% | £402 | 16.1% |
| Bull | £1,104 | 12.0% | 8.8% | £527 | 22.2% |
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