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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 38% 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: 3/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £7,400 |
| Bathroom | £5,450 |
| Living Room | £3,250 |
| Hallway / Stairs | £1,250 |
| Master Bedroom | £3,700 |
| Bedroom 2 | £3,700 |
| Total Estimated Refurb | £22,500 |
⚠ 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
- £170,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £9,605 | £175,100 | £6,471 | £96 | £5,196 | 9.3% |
| Yr 3 | £10,091 | £185,764 | £6,821 | £810 | £16,573 | 29.6% |
| Yr 5 | £10,602 | £197,077 | £7,189 | £2,251 | £29,327 | 52.4% |
| Yr 10 | £11,995 | £228,466 | £8,192 | £9,278 | £67,744 | 121.0% |
| Yr 15 | £13,572 | £264,854 | £9,327 | £21,710 | £116,564 | 208.2% |
| Yr 20 | £15,355 | £307,039 | £10,611 | £40,257 | £177,296 | 316.6% |
| Yr 25 | £17,373 | £355,942 | £12,063 | £65,721 | £251,664 | 449.4% |
| Yr 30 | £19,656 | £412,635 | £13,707 | £99,014 | £341,648 | 610.1% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — North West England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 878 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £680 | 4.8% | 2.9% | £-286 | -13.4% |
| Conservative | £744 | 5.3% | 3.4% | £-101 | -2.0% |
| Base | £800 | 5.6% | 3.8% | £8 | 2.8% |
| Optimistic | £864 | 6.1% | 4.3% | £124 | 8.2% |
| Bull | £944 | 6.7% | 4.8% | £255 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.65% |
| Net Yield | ●3.8% |
| Net Annual Income | £6,467 |
| Deductions: void 8% (−£768) · mgmt 10% (−£961) · maint 10% (−£961) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£9 |
| Cash-on-Cash Return | ●0.16% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £1,774 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £680 | 4.8% | 2.9% | £-286 | -13.4% |
| Conservative | £744 | 5.3% | 3.4% | £-101 | -2.0% |
| Base | £800 | 5.6% | 3.8% | £8 | 2.8% |
| Optimistic | £864 | 6.1% | 4.3% | £124 | 8.2% |
| Bull | £944 | 6.7% | 4.8% | £255 | 15.1% |
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