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Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 22% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 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 | £850 |
| Bedroom 2 | £850 |
| 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
- £98,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 400–500 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
Comparable Sales in this postcode sector
⚠️ Only 2 comparable sale(s) matched 2 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 3 | — | — | — | — |
| Sector sale 2 | Flat | 1 | — | — | — | — |
| Sector sale 3 | Flat | 2 | — | — | — | — |
| Sector sale 4 | Flat | 0 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
| Sector sale 6 | Flat | 1 | — | — | — | — |
| Sector sale 7 | Flat | 1 | — | — | — | — |
| Sector sale 8 | Flat | 1 | — | — | — | — |
| Sector sale 9 | Flat | 2 | — | — | — | — |
| Sector sale 10 | Flat | 3 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Standard — 1/10Behavioural signals: 61 days on market
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £306 |
| ICR (actual) | 2.67x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £98,000 |
| Deposit (25% — 75% LTV) | £24,500 |
| SDLT (additional property, 5% surcharge) | £4,900 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,399 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £98,000 | Loan (75% LTV) | £73,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £337 |
| Rent needed (1.5×) | £505/mo | Estimated rent | £815/mo |
| Stress ratio | 2.42× (need ≥ 1.5×) +£310 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £150,000 |
| 75% remortgage | £112,500 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | +£61/mo |
| Gross margin | +£52,000 |
| Reno cost (est.) | –£4,500 |
| Buy + sell costs | –£10,750 |
| Net profit | +£36,750 (126.7% ROI) |
| SA gross/mo | £1,005 |
| SA net/mo | £734 |
| BTL est./mo | £815 |
| SA vs BTL uplift | +£190/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £105,535 | +£7,535 | £27,864 | +£3,364 (3.4%) |
| 5 years | £110,878 | +£12,878 | £31,844 | +£7,344 (7.5%) |
| 7 years | £116,491 | +£18,491 | £36,026 | +£11,526 (11.8%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £9,780 | £100,940 | £6,597 | £2,922 | £5,862 | 17.5% |
| Yr 3 | £10,276 | £107,087 | £6,953 | £9,298 | £18,385 | 54.9% |
| Yr 5 | £10,796 | £113,609 | £7,328 | £16,414 | £32,023 | 95.6% |
| Yr 10 | £12,214 | £131,704 | £8,349 | £37,693 | £71,397 | 213.1% |
| Yr 15 | £13,819 | £152,681 | £9,505 | £64,475 | £119,155 | 355.7% |
| Yr 20 | £15,635 | £176,999 | £10,813 | £97,483 | £176,482 | 526.8% |
| Yr 25 | £17,690 | £205,190 | £12,292 | £137,535 | £244,725 | 730.5% |
| Yr 30 | £20,015 | £237,872 | £13,966 | £185,558 | £325,430 | 971.4% |
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 | £693 | 8.5% | 5.1% | £15 | -3.4% |
| Conservative | £758 | 9.3% | 6.0% | £157 | 6.3% |
| Base | £815 | 10.0% | 6.7% | £243 | 10.5% |
| Optimistic | £880 | 10.8% | 7.5% | £339 | 15.2% |
| Bull | £962 | 11.8% | 8.5% | £449 | 21.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.98% |
| Net Yield | ●6.73% |
| Net Annual Income | £6,597 |
| Deductions: void 8% (−£782) · mgmt 10% (−£978) · maint 10% (−£978) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £306 |
| Monthly Cashflow (IO) | ●£244 |
| Cash-on-Cash Return | ●8.72% |
| 5-Year IRR | ●10.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,900 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,900 |
| Section 24 Extra Tax/yr (higher rate) | £735 |
| SPV Annual Saving | £1,665 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £113,609 |
| Less: Purchase Price | −£98,000 |
| Less: Buying Costs (SDLT + legal) | −£7,500 |
| Less: Selling Costs (est. 2.5%) | −£2,840 |
| = CGT Net Gain (5yr) | £5,269 |
| CGT at 24% | £545 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 8.5% | 5.1% | £15 | -3.4% |
| Conservative | £758 | 9.3% | 6.0% | £157 | 6.3% |
| Base | £815 | 10.0% | 6.7% | £243 | 10.5% |
| Optimistic | £880 | 10.8% | 7.5% | £339 | 15.2% |
| Bull | £962 | 11.8% | 8.5% | £449 | 21.3% |