🔒 Sign in to view the address — Manchester
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. 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
- £225,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £16,830 | £231,750 | £11,673 | £3,235 | £9,985 | 13.6% |
| Yr 3 | £17,682 | £245,864 | £12,286 | £10,622 | £31,485 | 42.8% |
| Yr 5 | £18,577 | £260,837 | £12,931 | £19,282 | £55,118 | 74.9% |
| Yr 10 | £21,018 | £302,381 | £14,688 | £46,933 | £124,314 | 168.9% |
| Yr 15 | £23,780 | £350,543 | £16,677 | £84,054 | £209,597 | 284.8% |
| Yr 20 | £26,905 | £406,375 | £18,927 | £131,890 | £313,265 | 425.6% |
| Yr 25 | £30,441 | £471,100 | £21,472 | £191,848 | £437,948 | 595.0% |
| Yr 30 | £34,441 | £546,134 | £24,353 | £265,520 | £586,654 | 797.1% |
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
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 | 6.4% | 3.9% | £-177 | -8.1% |
| Conservative | £1,304 | 7.0% | 4.7% | £102 | 2.4% |
| Base | £1,402 | 7.5% | 5.2% | £269 | 6.9% |
| Optimistic | £1,514 | 8.1% | 5.8% | £451 | 12.1% |
| Bull | £1,654 | 8.8% | 6.5% | £658 | 18.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.48% |
| Net Yield | ●5.19% |
| 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 | £702 |
| Monthly Cashflow (IO) | ●£270 |
| Cash-on-Cash Return | ●4.39% |
| 5-Year IRR | ●6.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,688 |
| SPV Annual Saving | £2,888 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,837 |
| Less: Purchase Price | −£225,000 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,466 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 6.4% | 3.9% | £-177 | -8.1% |
| Conservative | £1,304 | 7.0% | 4.7% | £102 | 2.4% |
| Base | £1,402 | 7.5% | 5.2% | £269 | 6.9% |
| Optimistic | £1,514 | 8.1% | 5.8% | £451 | 12.1% |
| Bull | £1,654 | 8.8% | 6.5% | £658 | 18.6% |
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