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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 14% above the area median. Offers anchored to area median of £192,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| Total Estimated Refurb | £10,800 |
⚠ 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
- £220,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,200–1,300 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 | £21,208 | £226,600 | £14,825 | £6,575 | £13,175 | 18.3% |
| Yr 3 | £22,282 | £240,400 | £15,598 | £20,879 | £41,279 | 57.3% |
| Yr 5 | £23,410 | £255,040 | £16,410 | £36,788 | £71,828 | 99.8% |
| Yr 10 | £26,486 | £295,662 | £18,625 | £84,123 | £159,785 | 221.9% |
| Yr 15 | £29,966 | £342,753 | £21,131 | £143,391 | £266,144 | 369.6% |
| Yr 20 | £33,904 | £397,344 | £23,966 | £216,161 | £393,505 | 546.5% |
| Yr 25 | £38,359 | £460,631 | £27,174 | £304,206 | £544,837 | 756.7% |
| Yr 30 | £43,400 | £533,998 | £30,803 | £409,534 | £723,531 | 1004.9% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — North West England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 868 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,502 | 8.2% | 5.1% | £45 | -2.4% |
| Conservative | £1,643 | 9.0% | 6.1% | £357 | 7.2% |
| Base | £1,767 | 9.6% | 6.7% | £548 | 11.4% |
| Optimistic | £1,908 | 10.4% | 7.5% | £756 | 16.3% |
| Bull | £2,085 | 11.4% | 8.4% | £998 | 22.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.64% |
| Net Yield | ●6.74% |
| Net Annual Income | £14,822 |
| Deductions: void 8% (−£1,697) · mgmt 10% (−£2,121) · maint 10% (−£2,121) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£549 |
| Cash-on-Cash Return | ●9.13% |
| 5-Year IRR | ●11.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £3,492 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,502 | 8.2% | 5.1% | £45 | -2.4% |
| Conservative | £1,643 | 9.0% | 6.1% | £357 | 7.2% |
| Base | £1,767 | 9.6% | 6.7% | £548 | 11.4% |
| Optimistic | £1,908 | 10.4% | 7.5% | £756 | 16.3% |
| Bull | £2,085 | 11.4% | 8.4% | £998 | 22.5% |
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