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Flat · 3 bed
Supports major UK property portals
vs Benchmark
No data
no benchmark yet
Est. £/sqft
~£275
benchmark ~£220/sqft
Investment Score
0/10
average
Days on Market
4+ months
motivated seller signal
Suggested Offer Range
Low offer
£117,566
£44,434 below asking
Target offer
£124,098
£37,902 below asking
High offer
£130,629
£31,371 below asking
⚠ Offers Over listing — vendor expects full asking price or above. The offer range shown is for context only; submitting below asking is likely to be rejected.
Asking price is 24% above the area median. Offers anchored to area median of £131,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.
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📷 No photos available for condition analysis.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £162,000
- Property Type
- Flat
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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.
10-Year Projection
Break-even: Year 1
5yr IRR: 12.6%
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £16,832 | £166,860 | £11,674 | £5,599 | £10,459 | 19.6% |
| Yr 3 | £17,684 | £177,022 | £12,287 | £17,713 | £32,735 | 61.3% |
| Yr 5 | £18,579 | £187,802 | £12,932 | £31,101 | £56,903 | 106.5% |
| Yr 10 | £21,021 | £217,714 | £14,690 | £70,573 | £126,287 | 236.3% |
| Yr 15 | £23,783 | £252,391 | £16,679 | £119,515 | £209,906 | 392.8% |
| Yr 20 | £26,908 | £292,590 | £18,929 | £179,173 | £309,763 | 579.6% |
| Yr 25 | £30,444 | £339,192 | £21,475 | £250,954 | £428,146 | 801.2% |
| Yr 30 | £34,445 | £393,217 | £24,355 | £336,452 | £567,669 | 1062.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — North West England ⓘ What are deciles?
IMD (Overall)
3/10
High deprivation
Crime
2/10
High deprivation
Income
3/10
High deprivation
Employment
5/10
Mid deprivation
Education
3/10
High deprivation
Housing Barriers
2/10
High deprivation
Rural/Urban
Mixed
📄 Lease Information
Estimated remaining lease: 99 years.
📊 Investment Skill Analysis
Net Yield
7.2%
Gross:10.4%
Mortgage
PASS
75% LTV · 5.0% rate
Survey Risk
Moderate Risk
Score: 4/10
SDLT (Additional)
£8,840
5.5% effective rate · Company: £8,840
Void Risk
High
~6 weeks/year
Statistical CI (85%)
–
vs Comparable Mean:—· n=—
Best Strategy
AST (Standard BTL)
£996/mo
SPV Tax Saving
£2,771/yr
Breakeven: — years
5-Year IRR
12.6%
IRR — Strong
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 8.8% | 5.5% | £79 | -0.9% |
| Conservative | £1,304 | 9.7% | 6.5% | £319 | 8.5% |
| Base | £1,402 | 10.4% | 7.2% | £466 | 12.6% |
| Optimistic | £1,514 | 11.2% | 8.0% | £628 | 17.4% |
| Bull | £1,654 | 12.3% | 9.0% | £815 | 23.4% |
⚠ Condition Flags
Extended Market Time (HIGH)
Level 3 Full Building Survey recommended — risk flags identified
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.39% |
| Net Yield | ●7.2% |
| Net Annual Income | £11,668 |
| Deductions: void 8% (−£1,347) · mgmt 10% (−£1,683) · maint 10% (−£1,683) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £505 |
| Monthly Cashflow (IO) | ●£467 |
| Cash-on-Cash Return | ●10.47% |
| 5-Year IRR | ●12.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,840 |
| SDLT Effective Rate | 5.46% |
| SDLT (Company) | £8,840 |
| Section 24 Extra Tax/yr (higher rate) | £1,215 |
| SPV Annual Saving | £2,771 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £187,802 |
| Less: Purchase Price | −£162,000 |
| Less: Buying Costs (SDLT + legal) | −£11,440 |
| Less: Selling Costs (est. 2.5%) | −£4,695 |
| = CGT Net Gain (5yr) | £9,667 |
| CGT at 24% | £1,600 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 8.8% | 5.5% | £79 | -0.9% |
| Conservative | £1,304 | 9.7% | 6.5% | £319 | 8.5% |
| Base | £1,402 | 10.4% | 7.2% | £466 | 12.6% |
| Optimistic | £1,514 | 11.2% | 8.0% | £628 | 17.4% |
| Bull | £1,654 | 12.3% | 9.0% | £815 | 23.4% |
PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice.
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