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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 44% above the area median. Offers anchored to area median of £187,000. 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 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Entrance Hall | £50 |
| 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
- £270,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £15,309 | £278,100 | £10,577 | £452 | £8,552 | 9.7% |
| Yr 3 | £16,084 | £295,036 | £11,135 | £2,191 | £27,227 | 30.7% |
| Yr 5 | £16,898 | £313,004 | £11,722 | £5,088 | £48,092 | 54.3% |
| Yr 10 | £19,119 | £362,857 | £13,321 | £17,789 | £110,646 | 124.9% |
| Yr 15 | £21,631 | £420,651 | £15,129 | £39,104 | £189,756 | 214.2% |
| Yr 20 | £24,474 | £487,650 | £17,176 | £70,165 | £287,816 | 324.8% |
| Yr 25 | £27,690 | £565,320 | £19,492 | £112,253 | £407,573 | 460.0% |
| Yr 30 | £31,328 | £655,361 | £22,111 | £166,817 | £552,178 | 623.2% |
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?
📄 Lease Information
Estimated remaining lease: 241 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,085 | 4.8% | 3.0% | £-429 | -12.9% |
| Conservative | £1,187 | 5.3% | 3.5% | £-135 | -1.7% |
| Base | £1,276 | 5.7% | 3.9% | £38 | 3.1% |
| Optimistic | £1,378 | 6.1% | 4.4% | £223 | 8.6% |
| Bull | £1,506 | 6.7% | 4.9% | £432 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.67% |
| Net Yield | ●3.92% |
| Net Annual Income | £10,580 |
| Deductions: void 8% (−£1,225) · mgmt 10% (−£1,531) · maint 10% (−£1,531) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£40 |
| Cash-on-Cash Return | ●0.51% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £2,761 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,085 | 4.8% | 3.0% | £-429 | -12.9% |
| Conservative | £1,187 | 5.3% | 3.5% | £-135 | -1.7% |
| Base | £1,276 | 5.7% | 3.9% | £38 | 3.1% |
| Optimistic | £1,378 | 6.1% | 4.4% | £223 | 8.6% |
| Bull | £1,506 | 6.7% | 4.9% | £432 | 15.4% |
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