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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 25% above the area median. Offers anchored to area median of £167,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| 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 in Manchester | Extensions, Roofing & Brickwork | 0161 506 8790 | — |
| decorator | Top Residential Decorators in Manchester | Ever Prime Painters I ... | 07359 772816 | — |
| photographer | Professional Photographer Manchester | +447400925109 | — |
Property Details
- Asking Price
- £210,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 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 | £16,821 | £216,300 | £11,666 | £3,791 | £10,091 | 14.7% |
| Yr 3 | £17,673 | £229,473 | £12,279 | £12,289 | £31,762 | 46.2% |
| Yr 5 | £18,567 | £243,448 | £12,923 | £22,060 | £55,508 | 80.7% |
| Yr 10 | £21,007 | £282,222 | £14,680 | £52,486 | £124,708 | 181.3% |
| Yr 15 | £23,768 | £327,173 | £16,668 | £92,376 | £209,549 | 304.6% |
| Yr 20 | £26,891 | £379,283 | £18,916 | £142,974 | £312,258 | 453.9% |
| Yr 25 | £30,425 | £439,693 | £21,461 | £205,689 | £435,382 | 632.8% |
| Yr 30 | £34,423 | £509,725 | £24,339 | £282,111 | £581,836 | 845.7% |
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 | £1,192 | 6.8% | 4.2% | £-116 | -6.8% |
| Conservative | £1,304 | 7.5% | 5.0% | £154 | 3.5% |
| Base | £1,402 | 8.0% | 5.6% | £316 | 8.0% |
| Optimistic | £1,514 | 8.7% | 6.2% | £493 | 13.0% |
| Bull | £1,654 | 9.5% | 7.0% | £695 | 19.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.01% |
| Net Yield | ●5.56% |
| Net Annual Income | £11,668 |
| Deductions: void 8% (−£1,346) · mgmt 10% (−£1,682) · maint 10% (−£1,682) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £655 |
| Monthly Cashflow (IO) | ●£317 |
| Cash-on-Cash Return | ●5.51% |
| 5-Year IRR | ●8.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,200 |
| SDLT Effective Rate | 5.81% |
| SDLT (Company) | £12,200 |
| Section 24 Extra Tax/yr (higher rate) | £1,575 |
| SPV Annual Saving | £2,861 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £243,448 |
| Less: Purchase Price | −£210,000 |
| Less: Buying Costs (SDLT + legal) | −£14,800 |
| Less: Selling Costs (est. 2.5%) | −£6,086 |
| = CGT Net Gain (5yr) | £12,562 |
| CGT at 24% | £2,295 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 6.8% | 4.2% | £-116 | -6.8% |
| Conservative | £1,304 | 7.5% | 5.0% | £154 | 3.5% |
| Base | £1,402 | 8.0% | 5.6% | £316 | 8.0% |
| Optimistic | £1,514 | 8.7% | 6.2% | £493 | 13.0% |
| Bull | £1,654 | 9.5% | 7.0% | £695 | 19.5% |
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