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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 17% above the area median. Offers anchored to area median of £205,000. 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 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| 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 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
- £240,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £16,824 | £247,200 | £11,668 | £2,668 | £9,868 | 12.6% |
| Yr 3 | £17,676 | £262,254 | £12,282 | £8,921 | £31,175 | 39.8% |
| Yr 5 | £18,571 | £278,226 | £12,926 | £16,446 | £54,672 | 69.7% |
| Yr 10 | £21,011 | £322,540 | £14,683 | £41,260 | £123,800 | 157.9% |
| Yr 15 | £23,772 | £373,912 | £16,671 | £75,539 | £209,452 | 267.2% |
| Yr 20 | £26,896 | £433,467 | £18,920 | £120,530 | £313,996 | 400.5% |
| Yr 25 | £30,430 | £502,507 | £21,465 | £177,638 | £440,144 | 561.4% |
| Yr 30 | £34,429 | £582,543 | £24,344 | £248,456 | £590,999 | 753.8% |
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: 980 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 6.0% | 3.7% | £-237 | -9.3% |
| Conservative | £1,304 | 6.5% | 4.4% | £51 | 1.4% |
| Base | £1,402 | 7.0% | 4.9% | £222 | 6.0% |
| Optimistic | £1,514 | 7.6% | 5.4% | £408 | 11.2% |
| Bull | £1,654 | 8.3% | 6.1% | £620 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.01% |
| Net Yield | ●4.86% |
| 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 | £748 |
| Monthly Cashflow (IO) | ●£224 |
| Cash-on-Cash Return | ●3.4% |
| 5-Year IRR | ●6.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,300 |
| SDLT Effective Rate | 5.96% |
| SDLT (Company) | £14,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,800 |
| SPV Annual Saving | £2,917 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £278,226 |
| Less: Purchase Price | −£240,000 |
| Less: Buying Costs (SDLT + legal) | −£16,900 |
| Less: Selling Costs (est. 2.5%) | −£6,956 |
| = CGT Net Gain (5yr) | £14,370 |
| CGT at 24% | £2,729 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 6.0% | 3.7% | £-237 | -9.3% |
| Conservative | £1,304 | 6.5% | 4.4% | £51 | 1.4% |
| Base | £1,402 | 7.0% | 4.9% | £222 | 6.0% |
| Optimistic | £1,514 | 7.6% | 5.4% | £408 | 11.2% |
| Bull | £1,654 | 8.3% | 6.1% | £620 | 17.8% |
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