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Flat Share · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 71% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 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
- £29,500
- Property Type
- Flat Share
- Bedrooms
- 1
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 500–600 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 | £8,027 | £30,385 | £5,334 | £4,228 | £5,113 | 39.5% |
| Yr 3 | £8,433 | £32,235 | £5,627 | £13,122 | £15,857 | 122.4% |
| Yr 5 | £8,860 | £34,199 | £5,934 | £22,622 | £27,321 | 211.0% |
| Yr 10 | £10,025 | £39,646 | £6,773 | £49,236 | £59,382 | 458.5% |
| Yr 15 | £11,342 | £45,960 | £7,721 | £80,367 | £96,827 | 747.7% |
| Yr 20 | £12,832 | £53,280 | £8,794 | £116,608 | £140,388 | 1084.1% |
| Yr 25 | £14,519 | £61,766 | £10,008 | £158,630 | £190,897 | 1474.1% |
| Yr 30 | £16,426 | £71,604 | £11,382 | £207,194 | £249,298 | 1925.1% |
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 | 23.1% | 13.5% | £213 | 23.3% |
| Conservative | £622 | 25.3% | 16.2% | £297 | 28.9% |
| Base | £669 | 27.2% | 18.1% | £352 | 31.6% |
| Optimistic | £723 | 29.4% | 20.2% | £415 | 34.6% |
| Bull | £789 | 32.1% | 22.9% | £489 | 38.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●27.21% |
| Net Yield | ●18.08% |
| Net Annual Income | £5,335 |
| Deductions: void 8% (−£642) · mgmt 10% (−£803) · maint 10% (−£803) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £92 |
| Monthly Cashflow (IO) | ●£353 |
| Cash-on-Cash Return | ●32.65% |
| 5-Year IRR | ●31.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £1,475 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £1,475 |
| Section 24 Extra Tax/yr (higher rate) | £221 |
| SPV Annual Saving | £1,291 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £34,199 |
| Less: Purchase Price | −£29,500 |
| Less: Buying Costs (SDLT + legal) | −£4,075 |
| Less: Selling Costs (est. 2.5%) | −£855 |
| = CGT Net Gain (5yr) | £-231 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £569 | 23.1% | 13.5% | £213 | 23.3% |
| Conservative | £622 | 25.3% | 16.2% | £297 | 28.9% |
| Base | £669 | 27.2% | 18.1% | £352 | 31.6% |
| Optimistic | £723 | 29.4% | 20.2% | £415 | 34.6% |
| Bull | £789 | 32.1% | 22.9% | £489 | 38.5% |
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