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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | £850 |
| Bedroom 2 | £850 |
| 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
- £220,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £12,936 | £226,600 | £8,869 | £619 | £7,219 | 10.0% |
| Yr 3 | £13,591 | £240,400 | £9,340 | £2,561 | £22,961 | 31.9% |
| Yr 5 | £14,279 | £255,040 | £9,836 | £5,482 | £40,522 | 56.3% |
| Yr 10 | £16,155 | £295,662 | £11,187 | £17,397 | £93,059 | 129.2% |
| Yr 15 | £18,278 | £342,753 | £12,715 | £36,592 | £159,344 | 221.3% |
| Yr 20 | £20,680 | £397,344 | £14,445 | £64,021 | £241,365 | 335.2% |
| Yr 25 | £23,398 | £460,631 | £16,401 | £100,768 | £341,399 | 474.2% |
| Yr 30 | £26,472 | £533,998 | £18,615 | £148,056 | £462,054 | 641.7% |
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: 979 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £916 | 5.0% | 3.0% | £-335 | -12.5% |
| Conservative | £1,003 | 5.5% | 3.6% | £-92 | -1.2% |
| Base | £1,078 | 5.9% | 4.0% | £52 | 3.5% |
| Optimistic | £1,164 | 6.4% | 4.5% | £206 | 9.0% |
| Bull | £1,272 | 6.9% | 5.1% | £380 | 15.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.88% |
| Net Yield | ●4.03% |
| Net Annual Income | £8,869 |
| Deductions: void 8% (−£1,035) · mgmt 10% (−£1,294) · maint 10% (−£1,294) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£53 |
| Cash-on-Cash Return | ●0.86% |
| 5-Year IRR | ●3.5% |
● 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 | £2,335 |
| 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 | £916 | 5.0% | 3.0% | £-335 | -12.5% |
| Conservative | £1,003 | 5.5% | 3.6% | £-92 | -1.2% |
| Base | £1,078 | 5.9% | 4.0% | £52 | 3.5% |
| Optimistic | £1,164 | 6.4% | 4.5% | £206 | 9.0% |
| Bull | £1,272 | 6.9% | 5.1% | £380 | 15.8% |
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