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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £237,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · 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
- £260,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- 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 | £15,314 | £267,800 | £10,581 | £831 | £8,631 | 10.1% |
| Yr 3 | £16,089 | £284,109 | £11,139 | £3,327 | £27,436 | 32.2% |
| Yr 5 | £16,904 | £301,411 | £11,726 | £6,982 | £48,393 | 56.9% |
| Yr 10 | £19,125 | £349,418 | £13,325 | £21,579 | £110,998 | 130.4% |
| Yr 15 | £21,638 | £405,072 | £15,135 | £44,794 | £189,865 | 223.1% |
| Yr 20 | £24,482 | £469,589 | £17,182 | £77,757 | £287,346 | 337.7% |
| Yr 25 | £27,699 | £544,382 | £19,498 | £121,751 | £406,133 | 477.2% |
| Yr 30 | £31,339 | £631,088 | £22,119 | £178,225 | £549,313 | 645.5% |
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: 901 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,085 | 5.0% | 3.1% | £-388 | -12.3% |
| Conservative | £1,187 | 5.5% | 3.7% | £-100 | -1.2% |
| Base | £1,276 | 5.9% | 4.1% | £69 | 3.6% |
| Optimistic | £1,378 | 6.4% | 4.5% | £251 | 9.0% |
| Bull | £1,506 | 6.9% | 5.1% | £457 | 15.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.89% |
| Net Yield | ●4.07% |
| 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 | £811 |
| Monthly Cashflow (IO) | ●£71 |
| Cash-on-Cash Return | ●0.98% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,000 |
| SDLT Effective Rate | 6.15% |
| SDLT (Company) | £16,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,950 |
| SPV Annual Saving | £2,742 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £301,411 |
| Less: Purchase Price | −£260,000 |
| Less: Buying Costs (SDLT + legal) | −£18,600 |
| Less: Selling Costs (est. 2.5%) | −£7,535 |
| = CGT Net Gain (5yr) | £15,276 |
| CGT at 24% | £2,946 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,085 | 5.0% | 3.1% | £-388 | -12.3% |
| Conservative | £1,187 | 5.5% | 3.7% | £-100 | -1.2% |
| Base | £1,276 | 5.9% | 4.1% | £69 | 3.6% |
| Optimistic | £1,378 | 6.4% | 4.5% | £251 | 9.0% |
| Bull | £1,506 | 6.9% | 5.1% | £457 | 15.8% |
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