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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 21% above the area median. Offers anchored to area median of £247,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · 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
- £300,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 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 | £16,830 | £309,000 | £11,673 | £423 | £9,423 | 9.5% |
| Yr 3 | £17,682 | £327,818 | £12,286 | £2,184 | £30,002 | 30.3% |
| Yr 5 | £18,577 | £347,782 | £12,931 | £5,219 | £53,001 | 53.5% |
| Yr 10 | £21,018 | £403,175 | £14,688 | £18,808 | £121,983 | 123.1% |
| Yr 15 | £23,780 | £467,390 | £16,677 | £41,867 | £209,257 | 211.2% |
| Yr 20 | £26,905 | £541,833 | £18,927 | £75,640 | £317,473 | 320.4% |
| Yr 25 | £30,441 | £628,133 | £21,472 | £121,535 | £449,668 | 453.8% |
| Yr 30 | £34,441 | £728,179 | £24,353 | £181,145 | £609,324 | 614.9% |
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 | £1,192 | 4.8% | 3.0% | £-481 | -13.2% |
| Conservative | £1,304 | 5.2% | 3.5% | £-156 | -1.9% |
| Base | £1,402 | 5.6% | 3.9% | £35 | 2.9% |
| Optimistic | £1,514 | 6.1% | 4.3% | £240 | 8.3% |
| Bull | £1,654 | 6.6% | 4.9% | £470 | 15.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.61% |
| Net Yield | ●3.89% |
| Net Annual Income | £11,668 |
| Deductions: void 8% (−£1,346) · mgmt 10% (−£1,683) · maint 10% (−£1,683) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £936 |
| Monthly Cashflow (IO) | ●£36 |
| Cash-on-Cash Return | ●0.42% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £20,000 |
| SDLT Effective Rate | 6.67% |
| SDLT (Company) | £20,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,250 |
| SPV Annual Saving | £3,030 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £347,782 |
| Less: Purchase Price | −£300,000 |
| Less: Buying Costs (SDLT + legal) | −£22,600 |
| Less: Selling Costs (est. 2.5%) | −£8,695 |
| = CGT Net Gain (5yr) | £16,487 |
| CGT at 24% | £3,237 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 4.8% | 3.0% | £-481 | -13.2% |
| Conservative | £1,304 | 5.2% | 3.5% | £-156 | -1.9% |
| Base | £1,402 | 5.6% | 3.9% | £35 | 2.9% |
| Optimistic | £1,514 | 6.1% | 4.3% | £240 | 8.3% |
| Bull | £1,654 | 6.6% | 4.9% | £470 | 15.2% |
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