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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 40% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Master Bedroom | £700 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,800 |
⚠ 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
- £72,000
- Property Type
- Apartment
- Bedrooms
- 1
- 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
🔍 Filtered to 1-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Flat | 1 | — | — | — | — |
| Sector sale 2 | Flat | 1 | — | — | — | — |
| Sector sale 3 | Flat | 1 | — | — | — | — |
| Sector sale 4 | Flat | 1 | — | — | — | — |
| Sector sale 5 | Flat | 1 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 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 — 2/10Behavioural signals: 90 days on market
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £225 |
| ICR (actual) | 2.98x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £72,000 |
| Deposit (25% — 75% LTV) | £18,000 |
| SDLT (additional property, 5% surcharge) | £3,600 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £24,599 |
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 | £72,000 | Loan (75% LTV) | £54,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £248 |
| Rent needed (1.5×) | £371/mo | Estimated rent | £669/mo |
| Stress ratio | 2.7× (need ≥ 1.5×) +£298 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) | £115,000 |
| 75% remortgage | £86,250 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | +£75/mo |
| Gross margin | +£43,000 |
| Reno cost (est.) | –£1,800 |
| Buy + sell costs | –£8,925 |
| Net profit | +£32,275 (163.0% ROI) |
| SA gross/mo | £950 |
| SA net/mo | £686 |
| BTL est./mo | £669 |
| SA vs BTL uplift | +£281/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £77,536 | +£5,536 | £20,264 | +£2,264 (3.1%) |
| 5 years | £81,461 | +£9,461 | £23,189 | +£5,189 (7.2%) |
| 7 years | £85,585 | +£13,585 | £26,261 | +£8,261 (11.5%) |
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 | £8,028 | £74,160 | £5,335 | £2,635 | £4,795 | 18.7% |
| Yr 3 | £8,434 | £78,676 | £5,628 | £8,343 | £15,019 | 58.4% |
| Yr 5 | £8,861 | £83,468 | £5,935 | £14,657 | £26,125 | 101.7% |
| Yr 10 | £10,026 | £96,762 | £6,774 | £33,307 | £58,069 | 226.0% |
| Yr 15 | £11,343 | £112,174 | £7,722 | £56,474 | £96,648 | 376.1% |
| Yr 20 | £12,834 | £130,040 | £8,795 | £84,752 | £142,792 | 555.6% |
| Yr 25 | £14,520 | £150,752 | £10,010 | £118,812 | £197,564 | 768.7% |
| Yr 30 | £16,429 | £174,763 | £11,384 | £159,415 | £262,178 | 1020.1% |
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 | £569 | 9.5% | 5.5% | £40 | -2.0% |
| Conservative | £622 | 10.4% | 6.6% | £151 | 7.4% |
| Base | £669 | 11.2% | 7.4% | £220 | 11.3% |
| Optimistic | £723 | 12.0% | 8.3% | £295 | 15.9% |
| Bull | £789 | 13.2% | 9.4% | £383 | 21.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.15% |
| Net Yield | ●7.41% |
| Net Annual Income | £5,335 |
| Deductions: void 8% (−£642) · mgmt 10% (−£803) · maint 10% (−£803) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £225 |
| Monthly Cashflow (IO) | ●£220 |
| Cash-on-Cash Return | ●10.25% |
| 5-Year IRR | ●11.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,600 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,600 |
| Section 24 Extra Tax/yr (higher rate) | £540 |
| SPV Annual Saving | £1,370 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £83,468 |
| Less: Purchase Price | −£72,000 |
| Less: Buying Costs (SDLT + legal) | −£6,200 |
| Less: Selling Costs (est. 2.5%) | −£2,087 |
| = CGT Net Gain (5yr) | £3,181 |
| CGT at 24% | £43 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £569 | 9.5% | 5.5% | £40 | -2.0% |
| Conservative | £622 | 10.4% | 6.6% | £151 | 7.4% |
| Base | £669 | 11.2% | 7.4% | £220 | 11.3% |
| Optimistic | £723 | 12.0% | 8.3% | £295 | 15.9% |
| Bull | £789 | 13.2% | 9.4% | £383 | 21.8% |